Huma Finance is redefining on-chain lending with the world’s first #PayFi network — merging payment and financing infrastructure to unlock credit against real-world income streams. Unlike traditional crypto-collateralized lending, Huma enables users to borrow instantly against salaries, invoices, remittances, and other receivables.
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1. How It Works
At the heart of Huma Finance is its Time-Value-of-Money (TVM) model, which analyzes cash-flow patterns to determine future revenue potential. Based on this, borrowers can access liquidity equal to 70–90% of their expected future income — all executed through secure, automated smart contracts.
2. Why It Matters
This approach opens the door to uncollateralized lending, making credit accessible to millions who lack traditional assets but have stable, provable income. It’s a game-changer for freelancers, small businesses, and individuals in emerging markets.
3. The Bigger Vision
By connecting global capital to real-world cash flows, Huma Finance is building a financial network that’s more inclusive, efficient, and borderless — aligning blockchain innovation with everyday economic activity.
@Huma Finance 🟣 | #HumaFinance | $C