@Huma Finance 🟣 is building the world’s first PayFi network — a revolutionary on-chain system that unites payments + lending in one powerful ecosystem.
Instead of locking up crypto or going through slow bank approvals, Huma lets you borrow against your future income — salaries, invoices, or even cross-border remittances — all secured by smart contracts.
💡 Powered by Time-Value-of-Money (TVM)
By analyzing real cash-flow history, Huma instantly calculates how much you can safely borrow, offering 70–90% of your expected income.
Why it’s a game-changer:
No traditional credit checks or asset requirements.
Instant liquidity for freelancers, small businesses, and global workers.
Lower costs than traditional lending.
Fair, borderless, transparent finance for the digital economy.
Huma isn’t just another DeFi protocol — it’s a bridge between real-world income and Web3 finance, opening credit access to millions who were once left out.