For tech enthusiasts, Huma Finance's PayFi network is a hardcore project. It builds a payment financing ecosystem using blockchain and stablecoins, with the core being collateral-free lending based on time value.
Smart contracts analyze future income streams, providing real-time loans of up to 90% of expected income. The $HUMA token incentivizes network participation, keeping the system efficient. Huma's deployment on Solana and Stellar leverages high throughput and low costs, making it particularly suitable for cross-border payments and DePIN financing scenarios.
The technical architecture is modular and open, and it can be deeply integrated with other DeFi protocols in the future, making it absolutely worth researching for tech fans.
