🔥Huma Finance is ushering in a revolution in on-chain credit 🔥
Thanks to its innovative PayFi infrastructure that merges payments and decentralized finance. Rather than relying on crypto collateral, it empowers users to borrow against future income streams—like paychecks, invoices, or remittances—by leveraging a programmable Time Value of Money (TVM) framework.
Huma Finance is not a conventional lending app, but a transformative PayFi network designed to democratize credit for real people worldwide.
Through TVM-based modeling, it accurately values expected income and enables borrowers to access liquidity — often up to 70‑90% of their projected earnings — without needing crypto collateral.
Its smart contracts automate loan issuance and repayment using verifiable income data, eliminating traditional intermediaries. This design allows instant credit, automatic repayments aligned with cash flows, and minimized risk for liquidity providers.
By granting access to undercollateralized loans via stablecoins like USDC/USDT, Huma Finance revolutionizes how credit is delivered—creating an inclusive, global, and transparent system focused on real-world assets and income streams.
In summary:
Huma Finance is building the first truly income-based PayFi ecosystem: a decentralized lending network where users unlock liquidity today based on future earnings, backed by programmable smart contracts and a TVM-driven credit model.
