《Can Wages Also Be Used as Collateral? Huma Finance Allows You to Spend 'Future Money' Now》

Traditional crypto lending always forces people to use coins as collateral, leaving ordinary people without assets on the sidelines. But @Huma Finance 🟣 insists on rewriting the rules—its PayFi network allows you to borrow money without touching the coins in your wallet, using future wages, invoices, or even remittances as collateral. This wave of 'wage finance' directly lowers the lending threshold.

Its logic is straightforward: you have a stable salary every month? Upload your income statements, and the smart contract will analyze the cash flow, allowing you to borrow 70%-90% of your future income on the spot, without waiting until payday. Compared to traditional lending, it doesn't focus on asset prices but rather on your actual income stream—after all, wages, as a cash flow, are periodic and more resilient to volatility than a single crypto asset. The #HumaFinance approach of 'diversifying risk based on income' is actually more stable in a volatile market.

$HUMA tokens are 'hard currency' in the ecosystem: the more you stake, the higher your borrowing limit and the lower your interest rates; putting them into the automatic compound interest pool can earn additional rewards that can increase the annualized return by 10%; for major matters like ecosystem upgrades and partnerships, token holders can also vote on decisions. Currently, the platform has accumulated a trading volume exceeding 4.3 billion, with over 20,000 active users relying on it to invigorate cash flow. #HumaFinance has truly made DeFi a tool that ordinary people can use. The move by @Huma Finance 🟣 is clever enough; it doesn’t hype concepts but addresses the real issue of 'urgent cash needs'.

Conclusion: It has often been said that 'money is regrettably scarce when needed', but Huma Finance allows future income to be used now, enabling ordinary people to enjoy financial convenience through cash flow. This is the essence of what PayFi should be.