#HumaFinance (HUMA) is the first to build the world's first PayFi network, which integrates payment and financing infrastructure, aimed at supporting real-world income and on-chain credit based on accounts receivable. Unlike traditional lending supported by cryptocurrencies, Huma allows users to borrow against future income streams (such as salaries, invoices, or remittances) as collateral, thus facilitating unsecured lending supported by a time value of money (TVM) model. By analyzing cash flow patterns, this protocol can instantaneously and securely provide liquidity that matches 70-90% of expected future income through smart contracts. @Huma Finance 🟣