From Collateral to Credibility — Huma Finance is Rewriting On-Chain Lending

Traditional finance demands what many can’t offer: hard collateral. Huma Finance is changing that by launching the first PayFi network—where verified income becomes the foundation of credit.

Instead of locking tokens, users can now unlock capital using their expected cash flows. Whether you're a salaried worker, freelancer, or small business, your future earnings are now a live financial asset.

How it works:

On-chain borrowing based on future salaries, invoices, and remittances

70–90% liquidity delivered through smart contract automation

Risk modeled through Time-Value-of-Money dynamics for trustless lending

Huma isn’t following DeFi trends. It’s setting the direction for real-world, income-powered finance.

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