The left side connects to 'future income not yet received', while the right side leads to 'cash urgently needed now', allowing the money that hasn't flowed to the forefront to skip the bifurcated river and directly surge into the current pocket.
The 'PayFi network' it operates essentially twists 'payment' and 'financing' into one, yet plays a completely different logic from traditional crypto lending: Previously, borrowing money required putting your Bitcoin or ETH as 'collateral', like taking candy out of your pocket for pocket money; but HUMA says 'no need for collateral', you just need to prove 'mom will give you 100 candies next month', and it dares to lend you 70-90 candies upfront, relying on the simple TVM magic of 'current money is worth more than future money'💫.
When applied to real-life scenarios, this gets even more interesting:
A freelancer is holding an invoice for design fees to be settled in 30 days📄, eager to buy a new computer? HUMA's smart contract quickly scans your past order records and client payment speed, instantly determining 'this invoice is reliable' and immediately transfers 80% of the amount to you;
A worker with a monthly salary of 5000 wants to advance part of it for rent? It sifts through your salary transactions for the past 12 months, like a meticulous bookkeeping robot🤖, confirming 'the salary has never been interrupted' and promptly transferring the money;
A small business is waiting for overseas clients to remit payment💸, but the payment for supplies is due tomorrow? It knows the average duration for foreign exchange to arrive and directly disburses 70% of the expected amount.
If illustrated as a dynamic infographic🎞, it would look something like this: at the bottom layer is a colorful 'income data flow'—blue for salary slips, green for invoices, orange for remittance records, all gradually moving forward along the timeline; the middle layer is HUMA's 'smart filter', using countless fine lines (algorithm models) to give the data flow a 'CT scan', marking which flows are stable and which have fluctuations; the top layer is a glowing 'instant valve', and as soon as the filter nods, the valve opens with a 'pop', and 70-90% of future income bounces into the user's wallet, with a message floating nearby: 'Time difference? Not a thing.'
Now the whole industry is shouting 'DeFi needs to land in reality', and HUMA's approach happens to hit the pain point: what ordinary people lack is not the demand for 'borrowing money against crypto assets', but the awkward situation of 'having stable future income without collateral but cannot borrow money'. It transforms 'future credit' into 'current liquidity', essentially issuing a 'withdrawal pass' for every confirmed income.
For us creators, breaking down these logics into stories like 'time pipeline' and 'data flow CT' actually helps users build a cognition: 'Need money urgently without collateral? Think about how HUMA can move tomorrow's money to today.' When they face cash flow issues next time, the first thought that comes to mind includes HUMA, which is our influence taking root🌱～
