Huma Finance is a decentralized finance (DeFi) protocol that bridges traditional finance and blockchain through real-world asset tokenization. It enables payment-based lending by turning future income streams—like salaries, invoices, or cross-border payments—into on-chain collateral. This allows users to access instant liquidity using stablecoins such as USDC. Huma offers both permissioned (institutional) and permissionless (retail) platforms, supporting global financial access without intermediaries. Powered by its native token HUMA, the protocol facilitates governance, staking, and rewards. Huma’s mission is to create a new financial infrastructure—PayFi—that makes credit and settlement faster, more transparent, and inclusive worldwide.

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