$HUMA — REVOLUTIONIZING ON-CHAIN CREDIT WITH PAYFI
@Huma Finance 🟣 is building the first PayFi network, bridging payments and financing on-chain. Instead of traditional collateralized lending, Huma introduces a future-income model where users can borrow against salaries, invoices, or remittances. By leveraging the Time-Value-of-Money (TVM) framework, Huma Finance enables 70–90% liquidity on projected cash flows — instantly and securely via smart contracts.
This unlocks uncollateralized lending powered by real-world income streams, creating a more inclusive and scalable DeFi credit layer. With receivables-based financing on-chain, Huma Finance is setting the foundation for a new era of real-world credit in Web3.
