Imagine if your salary, invoices, or remittances didn’t just sit in your account waiting to be spent—but could actually unlock instant financial power. That’s what Huma Finance is building. Instead of relying on crypto assets as collateral, Huma lets you borrow based on the income you’re already earning. It’s fast, secure, and designed for real-world use.
Real-World DeFi with PayFi
Huma Finance is rethinking decentralized finance with PayFi, a new financial system that connects everyday payment flows to blockchain-based credit. Unlike traditional crypto lending that depends on locked assets, Huma uses your future income to assess creditworthiness.
Here’s how it works: Using Time-Value-of-Money (TVM) logic, Huma analyzes your expected income—like salaries or invoices—and lets you borrow up to 70–90% of it instantly through smart contracts. The result? Faster access to funds, reduced risk, and financial opportunities for people worldwide.
The 6-Layer PayFi Stack
1. Transaction Layer – Runs on fast, low-cost blockchains (L1s & L2s)
2. Currency Layer – Supports stablecoins and yield-bearing tokens
3. Custody Layer – Secures funds through smart contracts and MPC
4. Compliance Layer – Meets global KYC and identity requirements
5. Financing Layer – Adds liquidity via tokenized assets and risk tools
6. Application Layer – Makes it simple to build user-friendly financial apps
While traditional banks struggle to innovate, Huma is building an open, inclusive, and global financial model. By focusing on real cash flow instead of crypto wealth, it’s opening doors for freelancers, workers, and businesses—especially in emerging markets.
