Huma Finance is a decentralized finance (DeFi) protocol focused on income-backed asset lending. It allows users to access credit based on their real-world income streams rather than just crypto collateral. By tokenizing income and cash flows, Huma Finance creates opportunities for more inclusive financial services, especially for individuals and small businesses often overlooked by traditional lenders. The protocol supports various use cases, such as payroll advances, invoice factoring, and working capital loans. Huma partners with multiple fintech platforms and lending institutions to bridge traditional finance with Web3. With a strong emphasis on transparency, accessibility, and real-world utility, Huma Finance is reshaping how credit works in the decentralized economy.

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