Rebuilding the inefficiencies and black-box nature of traditional factoring on-chain, HUMA connects funds directly with demand, automating pricing and processes.

It packages cash flows into verifiable credentials, matching fund providers with demanders, where interest rates are determined by risk layering and term structure; oracles and compliance gateways provide data endorsement, while the contract side templates the custody, write-off, and repayment processes. Standardization allows these assets to be combinable: they can hold interest payments and also be used as collateral to expand strategic options.

With cross-border settlements and the expansion of the gig economy, the supply of cash flow assets is more abundant. HUMA reduces friction through transparency and automation, allowing "stable returns + compliant pathways" to coexist. #HumaFinance @Huma Finance 🟣 $HUMA