Revolutionizing Credit with Cashflow, Not Collateral.
@Huma Finance 🟣 is building the first PayFi network, unlocking the next evolution of DeFi—real-world, income-backed lending.
No more overcollateralized loans. With Huma, users can borrow based on future earnings like salaries or invoices, thanks to the Time-Value-of-Money model.
Smart contracts analyze cash flow and instantly provide up to 90% of expected revenue—secure, uncollateralized, and on-chain.
This is what scalable, inclusive finance looks like in Web3.