Huma Finance is building the first PayFi network to bring real-world credit and payments on-chain. Unlike traditional crypto-backed lending, @Huma Finance 🟣 introduces income and receivables-based credit, enabling users to borrow against future cash flows such as salaries, invoices, and remittances. This unlocks uncollateralized lending powered by the Time-Value-of-Money (TVM) model, making credit more inclusive and efficient.
By analyzing cash-flow patterns, $HUMA provides liquidity equal to 70–90% of expected future revenue, delivered instantly and securely through smart contracts. This model creates a more practical and scalable financial system where individuals and businesses can access working capital when they need it most.
With #HumaFinance , income becomes the foundation of borrowing, paving the way for a decentralized credit layer that connects real-world financial needs with Web3 innovation.