Huma Finance ($HUMA )
Huma Finance ($HUMA ) — a pioneer of the first PayFi network that integrates payment and financial infrastructure to support lending based on real income and receipts in the blockchain. Instead of traditional crypto-collateralized lending, Huma allows users to take out loans against future income streams such as salaries, invoices, or remittances, facilitating the provision of unsecured loans based on the time value of money (TVM) model. By analyzing cash flow patterns, the protocol offers liquidity corresponding to 70–90% of expected future revenue, instantly and securely through smart contracts.
