๐ก What is Huma?
Huma is building the first PayFi network โ connecting payments and credit. Instead of crypto collateral, Huma lets you borrow against future income: salaries, invoices, settlements, remittances.
โก How It Works
Tokenize your receivables (like an invoice or card payment)
Borrow 70โ90% of expected cash flow upfront
Smart contracts handle repayment when money arrives
๐ Real Use Cases
Arf โ Instant liquidity for remittances & FX settlements
Request โ Get ~80% of invoices paid upfront
Rain โ Smooth USDC card settlements
Jia โ Small business lending in Africa & Asia
Geoswift โ Faster merchant payouts in Asia
๐ฐ Why It Matters
No need for crypto collateral
Businesses get cash faster when they need it
Investors earn real yield from actual economic activity
๐ช $HUMA Token
10B max supply, ~17% in circulation
Used for governance, staking, and boosting rewards
Backed by multiple audits (Halborn, Spearbit, Certora)
๐ In short: Huma makes future money usable today โ faster, simpler, and on-chain.
