HumaFinance
Huma Finance (HUMA) is the first PayFi network that integrates payment and financing infrastructure to offer on-chain credit, backed by real-world income and accounts receivable. Instead of traditional cryptocurrency-backed loans, Huma allows users to borrow against future income streams, such as salaries, invoices, or remittances, enabling collateral-free loans driven by the Time Value of Money (TVM) model. By analyzing cash flow patterns, the protocol provides liquidity with a matching of 70% to 90% of expected future earnings, instantly and securely through smart contracts
