$HUMA Finance — Infrastructure for Income-Backed DeFi
Introduction
Huma Finance is an on-chain protocol enabling credit and lending products backed by future income streams rather than static collateral.
Use Cases
• Payroll-backed loans for employees.
• Revenue-based financing for freelancers and creators.
• Merchant cash advances for small businesses.
Core Strengths
• Decentralized underwriting models.
• Programmable repayment schedules via smart contracts.
• Integration with real-world payment data.
Why It Matters
By moving beyond overcollateralized lending, Huma opens DeFi to a broader audience, particularly those with steady income but limited assets.
