TVM Lending Model & RWA Tokenization — What Makes Huma Different
Huma’s lending framework is built around the Time-Value-of-Money (TVM) principle—offering loans based on future income streams instead of relying on volatile crypto assets as collateral. By tokenizing stable cash flows like payroll, invoices, and subscriptions, the protocol assesses creditworthiness using real-time income data and smart-contract-based repayment structures.
This model allows borrowers to access funding at lower costs and with fewer collateral requirements, unlocking the value of their future receivables more efficiently. It's especially valuable for real-world businesses, SMEs, and payroll-based financing, where traditional credit options are limited or slow.
With TVM as the foundation for risk assessment, Huma is creating a more practical, inclusive DeFi ecosystem—one that brings real-world assets (RWAs) on-chain and supports everyday financial needs like working capital and payments infrastructure.
