Traditional financial loans usually require collateral in the form of physical assets to obtain liquidity, which is very unfriendly for many high-net-worth individuals. So, is there a project like this?
Is it possible to use future income, such as salaries, stock dividends, and other future earnings, as proof for loans? Yes, there is, and it really exists.
What Huma Finance is doing now is exactly this: allowing you to use future money today. The PayFi network it has built essentially connects the 'payment' and 'financing' systems.
Imagine this: you no longer need to mortgage your house or cryptocurrency to borrow money. Huma converts your future income (salary, accounts receivable, or even remittances) into a credit passport. The core behind this is the 'Time Value of Money' (TVM) model—money has different values at different points in time.
Its magic lies in its intelligent analysis of your cash flow history. Based on stable and reliable future income expectations, Huma can instantly provide you with 70%-90% of this money securely through smart contracts. For example, a salary that won't be received until next week can solve your urgent needs today.
This is not just unsecured lending; it is about using your income stream itself as an anchor to create instant liquidity. Huma enables the 'value locked in time' to operate in advance, opening a brand new on-chain financing door for workers and small business owners. Simply put: it lets money work for you in advance.
