A system that bridges real-world payments with on-chain financing.
Instead of relying on over-collateralized loans, PayFi lets people borrow against real income streams like salaries, invoices, or remittances. By analyzing future cash flows, users can unlock 70–90% of expected revenue through secure and transparent smart contracts.
At the core is the Time-Value-of-Money model, shifting lending decisions from crypto collateral to projected income — making DeFi more practical and inclusive.
The PayFi stack covers it all:
Fast, low-cost transactions on L1s and L2s
Stablecoins and yield-bearing assets for payments
Secure custody with MPC and smart contracts
On-chain identity and compliance tools
Tokenized assets and risk management
Scalable applications for developers and users
Why it matters: as traditional finance struggles to keep up, Huma Finance is building a future where payments and credit systems run seamlessly on-chain. Real-world DeFi, practical and scalable.
Bullish on @Huma Finance 🟣 and $HUMA #HumaFinance
