Most lending in crypto is locked behind collateral — you put up $10k in ETH to borrow $5k.
@Huma Finance 🟣 flips that idea on its head.
Instead of crypto deposits, Huma’s PayFi network lets you borrow against future income — salaries, invoices, remittances, subscription payments… basically money you know is coming.
💡 How it works:
↝Protocol analyzes your cash flow patterns
↝You get 70–90% of future earnings upfront
↝Funds arrive instantly via smart contracts
↝Fully on-chain, fully transparent
↝The model is powered by the Time-Value-of-Money (TVM) principle — turning tomorrow’s income into liquidity today.
🌍 Why it matters:
➬Unlocks credit for people & businesses without large crypto stacks
➬Works globally, perfect for freelancers, merchants, and cross-border sellers
➬Already backed by partners like Solana, Circle, Stellar, Galaxy Digital
➬In a DeFi world obsessed with overcollateralization, Huma Finance is proving that real-world income might be the most powerful collateral there is.