Huma Finance is a decentralized finance (DeFi) protocol that enables income-backed and identity-based financial applications. It allows users to tokenize real-world income streams such as salaries, invoices, and pensions, bringing real-world assets into blockchain-based ecosystems. By leveraging smart contracts, Huma facilitates lending, credit scoring, and payment automation in a secure and transparent manner. It aims to bridge traditional finance and DeFi by offering on-chain financial tools that support underbanked individuals and businesses. Huma partners with fintechs, Web3 apps, and financial institutions to build a more inclusive financial infrastructure where anyone can access capital based on their verified income.

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