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Huma Finance (HUMA) is the first leading payment financing network—combining payment infrastructure and financing to support on-chain credit based on income and real-world receivables. Instead of a traditional lending system based on cryptocurrency collateral, Huma allows users to borrow against future income streams—such as salaries, invoices, or remittances. This model facilitates unsecured lending, relying on the concept of "time value of money (TVM). By analyzing cash flow patterns, the protocol provides liquidity matching 70–90% of the expected future income, instantly and securely via smart contracts.#humafinance💲💲💲💲 @Huma Finance 🟣