Huma Finance – The Future of On-Chain Income and Credit

@Huma Finance 🟣 is creating the world’s first PayFi network, a new financial system that brings payments and lending together on the blockchain. Instead of the usual crypto-backed loans, Huma Finance allows people to borrow money using their future income as collateral. This could be salaries, invoices from clients, or even remittances from family abroad.

The key technology behind this is the Time-Value-of-Money (TVM) model. It looks at a person’s cash-flow history and calculates how much they can safely borrow. Using this method, Huma Finance can instantly offer 70–90% of the borrower’s expected income as a loan — all handled by secure smart contracts.

This is different from banks because there is no need for traditional credit checks or physical collateral. It is also different from normal DeFi lending, which usually requires locking up tokens.

Why it matters:

Gives access to credit for people who don’t own large assets.

Helps freelancers, small businesses, and workers get quick cash without heavy fees.

Brings real-world income into the blockchain world.

Creates fair, transparent, and borderless lending.

Benefit for the community: With #HumaFinance , lending becomes faster, fairer, and more accessible for everyone, opening the door for millions to join the digital economy.