$HUMA – REDEFINING CREDIT THROUGH PAYFI
@Huma Finance 🟣 is building the first PayFi network, transforming how credit and payments flow in Web3. Unlike traditional crypto lending that relies on over-collateralization, Huma introduces a real-world income–backed model where users can borrow against salaries, invoices, or remittances.
By applying its Time-Value-of-Money (TVM) framework, Huma enables instant, uncollateralized lending while analyzing cash-flow patterns to ensure security and sustainability. Borrowers can access 70–90% of their future receivables, unlocking liquidity that was never before possible in DeFi.
This innovative approach bridges payments and finance directly on-chain, creating a new paradigm for sustainable credit markets in Web3. Huma Finance is more than lending—it’s building a decentralized economy powered by income.
