While most DeFi platforms today still focus on collateralized lending with digital assets (crypto-collateralized loans), Huma Finance has chosen a different path: building a system that combines lending and payment called the PayFi Network. With PayFi, Huma provides the ability to borrow without collateral, based on future income such as salaries, bills, or remittances.

This is an important advancement, as it helps bring the real income power of users into the blockchain space, opening up financial access opportunities for those who do not hold many crypto assets but have stable cash flow.

Core model: Time-Value-of-Money (TVM)

The core solution of Huma is the Time Value of Money (TVM) model – an economic principle that determines the present value of future cash flows.

  • With this mechanism, 70–90% of the borrower's verified future income will be converted into present value and disbursed instantly through smart contracts.

  • The verification, valuation, and disbursement process is fully automated, helping to reduce operational costs, minimize risks, and ensure transparency.

Huma Finance's outstanding advantage

  1. Unsecured lending based on future income
    Users can borrow based on stable income instead of collateral assets.

  2. Integration of real financial data
    The system can link with salaries, bills, or remittances to verify income flow.

  3. Automation through smart contracts
    All processes from verification, valuation to disbursement are digitized and automated.

  4. PayFi Network
    Combining payment and credit flows, providing a unified experience for both borrowers and lenders.

Vision: Inclusive finance for all

Huma Finance is not just building a lending protocol but is also pursuing the mission of expanding DeFi access for millions who are underserved by the traditional financial system.

  • Individuals with stable income but lacking collateral will gain access to capital.

  • Huma taps into a trillion-dollar credit opportunity, bridging centralized finance (CeFi) and decentralized finance (DeFi).

  • Each individual can convert their income potential into liquidity, serving for consumption, investment, or personal development.

Conclusion

With the PayFi network, Huma Finance not only creates a new lending product but also redefines the foundation of credit activity: shifting from asset-based to income potential-based.

This opens up a future where trust, labor capacity, and real income become the standard for accessing credit – instead of owning collateral assets.

Huma Finance is creating a new era, where DeFi becomes a financial empowerment tool for millions, bringing blockchain closer to real economic life.

♡𝐥𝐢𝐤𝐞💬 ➤ @Huma Finance 🟣 #HumaFinance $HUMA