๐ก ๐๐๐บ๐ฎ ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ โ ๐ฅ๐ฒ๐ฑ๐ฒ๐ณ๐ถ๐ป๐ถ๐ป๐ด ๐ข๐ป-๐๐ต๐ฎ๐ถ๐ป ๐๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐
Traditional DeFi lending relies heavily on overcollateralization. Huma Finance is changing that with the first PayFi network, enabling borrowing against future income streams like salaries, invoices, and remittances.
Using its Time-Value-of-Money (TVM) model, Huma analyzes cash-flow patterns to instantly provide 70โ90% of expected future revenue โ all executed securely via smart contracts.
This means faster access to capital, real-world use cases, and financial inclusion for those without large crypto holdings. Huma isnโt just DeFi โ itโs the bridge between income-based credit and the blockchain economy.