Multiple top institutions participated in the financing. With over $4 billion in on-chain transaction volume, is HUMA undervalued? Let's take a look at the operational thinking and application technologies behind HUMA.
Huma Finance is leading the innovation of PayFi (payment finance) and building the world's first decentralized infrastructure network that integrates payment and financing. The platform focuses on providing on-chain credit support for real-world income and accounts receivable, promoting more efficient capital flow. Unlike traditional crypto lending (which relies on digital asset collateral), Huma allows users to use future cash flows (such as salaries, invoices, subscription income, or cross-border remittances) as credit credentials, achieving unsecured or low-collateral lending based on the Time Value of Money (TVM) model.
By analyzing the borrower’s historical and expected cash flows in real-time through smart contracts, Huma is able to dynamically assess credit risk and securely provide instant liquidity equivalent to 70-90% of future income. This model not only lowers the borrowing threshold but also enhances capital efficiency, opening up more flexible on-chain financing channels for individuals, small and medium-sized enterprises, and freelancers. Huma's vision is to combine the credit system in traditional finance with DeFi through blockchain technology, creating a more inclusive next-generation financial infrastructure.
Huma Finance has processed over $4 billion in on-chain transaction volume, addressing early demands in the global trade finance market, and has received institutional investments from ParaFi Capital, Fenbushi Capital, and others.