Huma Finance: Tokenizing Real-World Income Streams for DeFi Credit
- Huma enables real-world asset-backed DeFi lending through income-based underwriting.
- Integrates payroll data, invoices, and off-chain financial records into a privacy-preserving credit protocol.
- Supports multiple use cases: payroll advances, invoice factoring, working capital loans.
- Partners with stablecoin issuers, employers, and fintech platforms to scale access.
- Built on modular smart contracts that evaluate, approve, and tokenize off-chain cash flows.
- Backed by top VCs, including investors in Aave and Worldcoin.
Huma is building a powerful bridge between traditional cash flows and on-chain credit markets. It’s an essential step in expanding financial access and unlocking DeFi’s real-world potential.