Huma Finance (HUMA) is launching the first PayFi network merging payments and financing to bring real world income based credit on-chain. Unlike crypto-backed lending, Huma lets users borrow against future income such as salaries, invoices, or remittances enabling uncollateralized loans using a Time Value of Money (TVM) model. The protocol analyzes users' cash flow patterns to provide instant liquidity through smart contracts, offering 70 to 90% of expected future earnings. This innovative approach unlocks access to capital without traditional collateral, making lending more inclusive, secure, and efficient by leveraging real-world financial data within blockchain infrastructure for more accurate and equitable credit access.

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