@Huma Finance 🟣 is revolutionizing lending with the first-ever PayFi network, bringing real-world income and receivables-based credit fully on-chain. Unlike traditional crypto-backed loans, #HumaFinance lets users borrow against future income streams—such as salaries, invoices, or remittances—using its Time-Value-of-Money (TVM) model. By analyzing cash-flow patterns, the protocol unlocks 70–90% of expected revenue instantly and securely via smart contracts. Powered by $HUMA , this approach enables uncollateralized lending, expands financial access, and bridges traditional finance with Web3 innovation.