Huma Finance (HUMA) is a pioneering decentralized finance (DeFi) network in the PayFi sector – combining payment and financial infrastructure to support real-world income as well as credit based on future cash flows. Instead of the traditional borrowing model based on collateralized cryptocurrency assets, Huma allows users to borrow based on periodic income like salaries, bills, or remittances. This model expands access to credit for those without collateral while ensuring safety and transparency through smart contracts. Huma uses a cash flow analysis model and the Time Value of Money (TVM) to set credit limits corresponding to 70–90% of projected future revenues. This is an innovative financial solution that opens up financial opportunities for millions of users worldwide.
