Revolutionizing on-chain lending by enabling individuals and businesses to access credit based on future income streams. Unlike traditional crypto lending that requires collateral, Huma allows borrowing against expected earnings, such as salaries, invoices, and remittances, unlocking 70ā90% of anticipated revenue instantly through smart contracts.
š§ Powered by the Time-Value-of-Money (TVM) Model
At the core of Huma's innovation is the Time-Value-of-Money (TVM) model. This model evaluates the present value of future cash flows, enabling the platform to match borrowers with liquidity providers efficiently. By analyzing cash-flow patterns, Huma facilitates secure, uncollateralized lending, fostering a more inclusive financial ecosystem.
š Key Features of #HumaFinance
Undercollateralized Lending: Borrowers can access funds without traditional collateral by leveraging verified future income streams.
Real-World Asset Integration: Huma tokenizes income streams, creating secure and transparent collateral for lending, bridging the gap between traditional finance and decentralized systems.
Modular Lending Structures: The platform offers customizable lending options, including permissioned institutional pools and permissionless retail vaults, catering to diverse financial needs.
Global PayFi Network: Huma enables seamless cross-border transactions and credit access, eliminating geographic barriers and high fees, and empowering users to participate in global finance.
š HUMA Token Overview
The HUMA token serves as the utility and governance token within the Huma ecosystem. It facilitates access to liquidity, enables participation in governance decisions, and powers various financial operations on the platform.
As of now, HUMA is trading at $0.0374, experiencing a 0.14% increase from the previous close.
š® Future Outlook
@Huma Finance š£ is poised to redefine global payment systems by offering inclusive, efficient, and transparent financial solutions. With its innovative PayFi network and strategic partnerships, Huma aims to bridge the gap between traditional finance and decentralized systems, unlocking new opportunities for individuals and businesses worldwide.
For more information, visit huma.finance.
