#HumaFinance is the first leading payment financing network—combining payment infrastructure and financing to support income-based credit 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 that matches 70–90% of the expected future revenue, instantly and securely through smart contracts.$HUMA