Huma Finance 🟣 is transforming DeFi with the world’s first PayFi network, merging payment and financing infrastructure to bring real-world income and receivables-based credit fully on-chain. Unlike traditional crypto-backed loans, Huma lets users borrow against future income — salaries, invoices, or remittances — using its Time-Value-of-Money (TVM) model. By analyzing cash-flow patterns, the protocol can provide 70–90% of expected revenue instantly through secure smart contracts. This enables uncollateralized lending that’s fast, transparent, and tailored for real-world use cases. In short, #HumaFinance is redefining how income powers financial access in Web3.

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