In the world of decentralized finance, most lending still depends on one thing — crypto collateral. But what if your financial future was the key, not your crypto holdings? @Huma Finance 🟣 introduces a new model through its PayFi network, where real-world income streams like salaries, invoices, and remittances become the basis for borrowing. By leveraging the Time-Value-of-Money (TVM) model and analyzing predictable cash flows, Huma allows users to unlock 70–90% of their expected income instantly, with no traditional collateral required. This isn’t just a lending protocol — it’s a shift in how we define financial trust. Built on smart contracts, Huma’s system is secure, automated, and globally inclusive — making capital access smarter, faster, and truly decentralized. As Web3 moves toward real-world adoption, Huma is leading the way by turning income into on-chain opportunity.
