@Huma Finance 🟣 is building the first-ever PayFi network, merging payments and lending on the blockchain in a revolutionary way. Unlike traditional crypto loans, Huma Finance lets users borrow against their future income whether that’s salaries, client invoices, or remittances rather than requiring crypto collateral.
At the heart of this system is the Time-Value-of-Money (TVM) model, which analyzes a borrower’s cash flow history to determine a safe loan amount. This enables instant loans of 70 90% of the expected income, all secured by smart contracts.
This approach differs from banks by eliminating credit checks and physical collateral and contrasts with typical DeFi loans that require locked tokens.
Why it matters:
Provides credit access to those without substantial assets
Supports freelancers, small businesses, and workers with quick, low-fee loans
Bridges real-world income into blockchain finance
Offers fair, transparent, and borderless lending
For the community, #HumaFinance makes borrowing faster, fairer, and more inclusive opening up digital economy opportunities for millions.
