Huma Finance (HUMA) is pioneering the world's first PayFi network, which uniquely combines payment and financing infrastructure to provide strong support for real-world income and on-chain credit based on accounts receivable. Unlike traditional cryptocurrency-based lending models, Huma allows users to borrow against future income streams (such as salaries, invoices, or remittances) as collateral, promoting a new model of unsecured lending based on the Time Value of Money (TVM). By deeply analyzing users' cash flow patterns, the protocol can instantaneously and securely provide liquidity of up to 70-90% matched to expected future income through smart contracts, greatly enhancing the flexibility and accessibility of lending.

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