🚀 Huma Finance: Bringing Real-World Money to DeFi with PayFi
Huma Finance 🟣 is changing how decentralized finance (DeFi) works with its PayFi Network — a system that links everyday payments (like salaries, invoices, and remittances) to blockchain lending.
Instead of locking up a pile of crypto as collateral, you can now borrow against your future income. By analyzing your upcoming cash flow, Huma gives you instant access to funds through smart contracts.
💡 Think of it like this: You can unlock 70–90% of your future earnings today, securely and transparently.
💰 Smarter Lending with TVM
Huma uses the Time-Value-of-Money (TVM) model. That means loans are based on what you’re expected to earn, not what you already own in crypto.
🏗️ The PayFi Stack: 6 Powerful Layers
⚡ Transaction Layer
Fast & secure payments built on scalable blockchains (L1s & L2s).
💵 Currency Layer
Stablecoins & yield-generating assets for reliable, global payments.
🔐 Custody Layer
MPC & smart contracts ensure your money is safe with instant settlements.
✅ Compliance Layer
On-chain identity + regulations = smooth, global standards.
📊 Financing Layer
Tokenized assets with real-time risk checks.
🛠️ Application Layer
Developer tools to build user-friendly and compliant financial apps.
🔥 In short: Huma Finance is making DeFi practical, safe, and connected to the real world.