@Huma Finance 🟣 is here! PayFi makes "future money" available now.

Have you ever been faced with the dilemma of "yet to receive your salary, but need cash urgently and lack collateral?" In traditional crypto lending, this seems like an unsolvable problem. However, the PayFi network built by @Huma Finance 🟣 and #HumaFinance is breaking this impasse with an innovative solution—using "future income" as collateral for loans, allowing you to use future "money" now.

Unlike traditional lending that relies on on-chain asset collateral, @Huma Finance 🟣 takes a different approach, using "future income streams" as the core collateral. Whether it's a fixed monthly salary, pending invoices, or cross-border remittances, as long as it's a verifiable and stable cash flow, it can be analyzed and evaluated using the platform's TVM model, leveraging smart contracts to quickly access 70%-90% of the corresponding liquidity. The entire process requires no complicated procedures, and funds are instantly credited, truly realizing the concept of "future money, available now."

The HUMA token plays a key role in the ecosystem. Staking $HUMA not only increases borrowing limits and lowers interest, resulting in more cost-effective lending, but also allows for additional returns by placing it in an automatic compounding pool, potentially increasing annualized returns by 10%, enabling "two-way appreciation" of assets. Furthermore, $HUMA holders can participate in ecosystem governance voting, allowing users to collectively determine the platform's development direction and strengthen ecosystem cohesion. #HumaFinance uses the PayFi model to break down the barriers between "future income" and "current liquidity." This innovation, @Huma Finance 🟣 , is driving financial services towards greater inclusion.