@Huma Finance 🟣 – Redefining Credit with PayFi
The future of finance is here, and it’s on-chain. @Huma Finance 🟣 is pioneering the first PayFi network, combining payment and financing infrastructure to unlock real-world income-based credit.
Unlike traditional crypto-backed lending, Huma lets users borrow against future income streams — from salaries to invoices — powered by the innovative Time-Value-of-Money (TVM) model. By analyzing cash flows, the protocol provides instant, secure liquidity up to 70–90% of expected revenue, all executed via smart contracts.
This is uncollateralized lending built for the Web3 economy, bridging real-world finance with decentralized trust.