𝐇𝐮𝐦𝐚 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐓𝐮𝐫𝐧𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐅𝐮𝐭𝐮𝐫𝐞 𝐈𝐧𝐜𝐨𝐦𝐞 𝐈𝐧𝐭𝐨 𝐈𝐧𝐬𝐭𝐚𝐧𝐭 𝐂𝐚𝐬𝐡

@Huma Finance 🟣 | #HumaFinance | $HUMA

Huma Finance is taking DeFi to the next level with its PayFi network a system that connects everyday payments with on-chain lending. Instead of the usual over-collateralized crypto loans, Huma lets people borrow against real income streams like salaries, invoices, and remittances.

By looking at a person’s expected cash flow, Huma can give instant access to funds through smart contracts safely and transparently. With this model, borrowers can unlock 70–90% of their future earnings without needing to put up large amounts of crypto as collateral.

At the heart of this is the Time-Value-of-Money (TVM) principle, which bases lending decisions on what you’re expected to earn, not just what you already own in crypto.

To make it work, Huma created the PayFi Stack a six-layer framework:

Transaction Layer – Fast, low-cost L1s and L2s for quick, secure payments.

Currency Layer – Stablecoins and yield-bearing currencies for smooth, reliable transactions.

Custody Layer – Secure asset storage using MPC and smart contract systems.

Compliance Layer – Built-in global standards with on-chain identity verification.

Financing Layer – Capital delivery with tokenized assets and real-time risk checks.

Application Layer – Tools for developers to build user-friendly, scalable financial apps.

While traditional finance is still trying to catch up, Huma is already building a world where payments and lending work together and where financial access is available to anyone, anywhere.