Discover an underestimated track - PayFi. In simple terms, it is a combination of payment and financing. Huma Finance is a pioneer in this area, directly using real income streams (salaries, invoices, etc.) as the basis for on-chain credit.
In comparison to traditional crypto lending, which mostly relies on cryptocurrency collateral, $HUMA operates on a no-collateral model, relying on the time value of money model. Users can borrow 70%-90% of their future income, and this approach is actually quite aligned with real needs.
Looking at the valuation now, it is obviously lower compared to XRP. XRP has been deeply engaged in payments for many years, but this new form of PayFi may hold greater explosive potential. After all, bridging real income with on-chain finance opens up a lot of possibilities; perhaps this is the next big opportunity?
