@Huma Finance 🟣 is leading the charge with PayFi, the first decentralized network combining payments + financing into one seamless on-chain system. Instead of relying on volatile collateral, Huma Finance lets you borrow against your real-world income—whether it’s salaries, invoices, or remittances.
Using the Time-Value-of-Money (TVM) model, Huma intelligently analyzes your cash flow and provides instant liquidity, covering up to 90% of your future earnings. All this is done via secure smart contracts—no credit score, no middlemen.
This is a game-changer for uncollateralized lending, especially in emerging markets. The unbanked now have access to capital, and real-world finance finally meets DeFi.
💡 Real income. Real lending. On-chain.