Farewell to Asset Collateral! @Huma Finance 🟣 Activates Future Income with PayFi

When it comes to crypto lending, many people's first reaction is "you need to have assets to collateralize," which discourages many users who do not have enough on-chain assets. However, the emergence of @Huma Finance 🟣 has changed this situation—its constructed PayFi network, #HumaFinance focuses on "future income streams" as the core of collateral, allowing wages, invoices, and other future earnings to become "hard currency," activating the financing potential of more people.

Traditional crypto lending focuses on "existing assets," while @Huma Finance 🟣 pays more attention to "future potential." Users do not need to collateralize cryptocurrencies such as Bitcoin or Ethereum; as long as they have stable future income, such as monthly wages, pending invoices, or cross-border remittances, they can analyze cash flows through the platform’s TVM model and quickly obtain 70%-90% of the corresponding liquidity using smart contracts. The funds are credited quickly, and the process is simple, effectively solving the pain point of "having future income but lacking current funds."

The HUMA token is the "core value" of the ecosystem. Collateralizing HUMA can unlock better borrowing rights: higher limits, lower interest rates, making lending more cost-effective; depositing into an automatic compound interest pool can also further increase returns, with annualized returns potentially increasing by 10%, making asset appreciation more efficient. In addition, $HUMA holders also have voting rights in the ecosystem, where the platform's rules and feature updates are collectively decided by users, truly realizing a "user-led ecosystem." #HumaFinance breaks the limitations of traditional lending with the PayFi model, and this innovation by @Huma Finance 🟣 is leading a new transformation in the financial industry.