Huma Finance ($HUMA ) is leading a new frontier with the launch of the world’s first PayFi (Payment Financing) network, transforming how on-chain lending works. Instead of relying on collateral, Huma opens access to credit by leveraging future income streams—like salaries, invoices, and remittances. Borrowers can unlock 70–90% of their anticipated earnings instantly through smart contracts.
🧠 Driven by the Time-Value-of-Money (TVM) Model
At the heart of Huma's platform lies the Time-Value-of-Money model, which determines the present worth of future income. This model powers efficient liquidity matching between borrowers and lenders, making secure, uncollateralized lending possible and promoting broader financial inclusion.
🔗 Key Features of #HumaFinance
Undercollateralized Lending: Get funding without the need for traditional collateral by using verified future income as the basis.
Real-World Asset Integration: Huma transforms income into tokenized assets, ensuring transparent and secure lending while blending traditional finance with DeFi.
Modular Lending Structures: Choose from customizable options like permissioned institutional pools or permissionless retail vaults, tailored to fit various lending needs.
Global PayFi Network: Enjoy frictionless cross-border access to credit, low transaction fees, and the ability to join the global economy without barriers.
📊 $HUMA Token Utility
The HUMA token acts as the core utility and governance tool in the ecosystem. It provides access to liquidity, enables participation in platform governance, and fuels financial operations across the network.
Currently trading at $0.0374, $HUMA has seen a 0.14% uptick since the previous close.
🔮 What Lies Ahead
@Huma Finance 🟣 is on a mission to reinvent global financial systems through its cutting-edge PayFi infrastructure. With key collaborations and technology that bridges traditional finance and DeFi, Huma is creating new opportunities for individuals and businesses worldwide.
$HUMA
Learn more: huma.finance
