#HumaFinance Huma Finance (HUMA) is the first pioneering PayFi network—combining payment and financial infrastructure to support real-world income and credit based on receivables on-chain. Instead of traditional loans secured by cryptocurrency, Huma allows users to borrow based on future income streams—such as salaries, invoices, or remittances—facilitating unsecured lending supported by the Time Value of Money (TVM) model. By analyzing cash flow patterns, the protocol provides liquidity corresponding to 70–90% of projected future revenue, instantly and securely through smart contracts.