Huma Finance is transforming the future of lending with PayFi!
@Huma Finance 🟣 is building the first PayFi network, combining payment rails with on-chain financing to enable income and receivables-based credit. Instead of traditional crypto-backed loans, users can borrow against future income streams like salaries, invoices, or remittances.
Using its Time-Value-of-Money (TVM) model, Huma analyzes cash flow patterns and offers instant liquidity of 70–90% of expected future revenue—secured through smart contracts.
This innovation opens the door to real-world uncollateralized lending, bringing DeFi closer to mainstream finance.
