Huma Finance: Borrow Against Your Earnings, Not Just Your Crypto

Huma Finance is redefining DeFi with its PayFi Network — linking everyday payments directly to on-chain lending.

Instead of overcollateralizing with crypto, Huma enables borrowing against real income streams — salaries, invoices, or remittances. Smart contracts, powered by Time-Value-of-Money (TVM) logic, assess your future cash flow to provide fast, secure funding. Borrowers can unlock 70–90% of upcoming revenue safely and transparently.

The PayFi Stack – 6 Layers of Innovation

1. Transaction Layer: Fast, low-cost blockchains for secure transfers.

2. Currency Layer: Stablecoins & yield-bearing tokens for smooth payments.

3. Custody Layer: MPC security + smart contract safeguards.

4. Compliance Layer: On-chain identity verification for global regulation readiness.

5. Financing Layer: Tokenized assets with real-time risk management.

6. Application Layer: Developer tools for scalable, compliant financial apps.

While traditional finance struggles to modernize, Huma Finance is building a borderless system where payments and credit work together, unlocking capital for anyone, anywhere.

@Huma Finance 🟣 🟣 | #HumaFinance | $HUMA