DeFi is Evolving, and Huma Finance is changing the game.$HUMA
Instead of depending on risky crypto collateral, Huma unlocks loans using real-world income — like salaries, invoices, and remittances — giving access to credit even without holding any crypto.
Borrowers can tap into 70–90% of future earnings instantly, skipping overcollateralization and avoiding liquidation tied to token prices. Smart contracts handle everything: from income verification to loan disbursement and repayment — securely and transparently.
With this PayFi approach, Huma turns income into digital collateral — creating on-chain credit backed by cash flow, not market volatility. Perfect for freelancers, gig workers, DAOs, and small businesses with steady earnings.
Under the hood, verified income flows through decentralized oracles into a smart underwriting engine using the Time Value of Money (TVM) to calculate credit limits in real time. Lenders provide short-term loans (1–6 days), earning 10–15% APY through efficient, reusable capital.
Built by fintech leaders like Richard Liu (ex-Google, ex-Earnin CTO) and supported by investors like Stellar Foundation, Distributed Global, and TIBAS Ventures, Huma is live on Solana and partnering with real-world apps like Jia.xyz.
🔑 Bottom line: Huma bridges Web2 and Web3 — enabling fast, fair, and inclusive credit based on real value, not just crypto assets.
Say goodbye to slow loans and collateral headaches.
Say hello to borderless, income-based DeFi.
