🔥DeFi is evolvin and Huma Finance is redefining the script.🔥👇
Rather than relying on volatile crypto collateral to secure loans, Huma enables borrowing backed by real world income, such as invoices, salaries, or remittances making credit accessible to those without crypto holdings.
Users can access 70 90% of their future earnings instantly, avoiding large overcollateralization and eliminating price based liquidation risk. Smart contracts automate verification, disbursement, and repayment all transparently and securely.
With this PayFi model, Huma transforms income into digital collateral delivering on chain credit powered by cash flow, not volatile tokens. It’s ideal for everyday earners: freelancers, gig workers, small businesses, DAO contributors, and anyone with predictable income streams.
Behind the scenes, verified income data flows through decentralised oracles into a smart underwriting system using the Time Value of Money (TVM) model, calculating credit limits in real time. Liquidity providers fund short term loans (1 6 days typical), earning stable yields of 10 15% APY with reusable capital cycles.
Huma was co-founded by fintech veterans including Richard Liu (former Google and Earnin CTO) and is backed by major investors like Distributed Global, Stellar Foundation, and TIBAS Ventures. The protocol is already live on Solana and integrating with real world platforms like Jia.xyz for emerging market financing.
In short: Huma Finance builds financially inclusive DeFi infrastructure connecting real income to instant credit, with transparent underwriting and sustainable, non speculative yield. It bridges Web2 and Web3 by unlocking liquidity for users who have value but lack crypto collateral. Slow interest rates? Collateral traps? Huma solves this fast, global, and truly accessible.
