@Huma Finance 🟣 is redefining on-chain lending with the first PayFi network — merging payments and financing to unlock real-world, income-based credit. Unlike traditional crypto-backed loans, #HumaFinance allows users to borrow against future income streams such as salaries, invoices, or remittances.
Powered by the Time-Value-of-Money (TVM) model, Huma securely analyzes cash-flow patterns and offers instant liquidity covering 70–90% of expected revenue, all executed through smart contracts. This approach enables uncollateralized lending, bridging Web3 technology with real-world financial needs.
Huma Finance isn’t just innovating DeFi — it’s building the future of accessible, secure, and income-driven finance on-chain.