HUMA FINANCE – TRANSFORMING LENDING WITH PAYFI
Huma Finance is pioneering the first PayFi network, combining payments and financing to bring real-world credit on-chain. Instead of depending on over-collateralized loans, Huma allows borrowing against future income streams like salaries, invoices, or remittances.
Leveraging its Time-Value-of-Money (TVM) model, Huma evaluates cash flow patterns to provide instant liquidity, offering 70–90% of expected revenue directly through secure smart contracts. This approach shifts lending from collateral-based to cash-flow-based, creating a fairer and more inclusive financial system.
By linking income with on-chain credit, @Huma Finance 🟣 is shaping DeFi for real-world applications — scalable, accessible, and impactful. The future of decentralized finance is here, where credit is determined by earnings, not just holdings.
