@Huma Finance 🟣 Huma Finance (HUMA) pioneers the first PayFi network by combining payment and financing infrastructure to support income-based credit and real-world receivables on the blockchain. Rather than using traditional crypto-backed lending, Huma allows users to borrow by collateralizing future income streams—such as salaries, invoices, or remittances—thus enabling unsecured lending backed by a Time-Value-of-Money (TVM) model. By analyzing cash flow patterns, this protocol offers liquidity matching of 70–90% of expected future income instantly and securely

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