Goodbye to 'Mortgage Anxiety': @Huma Finance 🟣 uses PayFi to make lending follow income

Who hasn't been trapped by traditional lending? Either you have to mortgage your property or car, or you're stuck with the bank's 'credit score'. But @Huma Finance 🟣 's PayFi doesn't follow this routine: your salary, invoices, and remittances are the best 'passports'; you can borrow money without locking any assets—this is what lending should look like.

The core logic of PayFi is very simple: money in the future can be used now. The TVM model of @Huma Finance 🟣 analyzes your cash flow patterns, such as when your salary arrives each month and when your invoices will be paid, and then provides you with a credit limit based on 70%-90% of expected income. The entire process is managed by smart contracts, verifiable on-chain, so there's no fear of manipulation, and the speed of arrival is fast—basically 'funds arrive right after application'.

How appealing is this to ordinary people? When money is tight before payday, there's no need to find friends for help; small businesses waiting for invoice payments don't have to watch good business slip away. It's even friendlier for cross-border workers—while remittances are still on the way, they can borrow some money for family use, which truly addresses real needs.

$HUMA tokens are the 'adhesive' of the entire ecosystem. Users stake tokens to support the network, earning rewards while being able to vote on platform rules, truly achieving 'user governance'. Coupled with partnerships with top players like Solana and Circle, scalability is maximized, and the $3.8 billion in transactions in 2024 is the best proof.

Current DeFi desperately needs such 'disruptors'. #HumaFinance focuses on 'real income', building a solid bridge between Web3 and traditional finance. With the addition of AI risk control in the future, covering more scenarios, what #HumaFinance aims to do may not only change lending but transform the entire financial landscape.