In life, having to wait for money to arrive is always a concern: end-of-month salary, unpaid customer invoices, or remittances sent from abroad. Money will certainly come, but the need to spend cannot wait.

@Huma Finance 🟣 was created to solve that problem. Instead of having to borrow collateralized crypto like traditional DeFi platforms, Huma allows you to 'advance' future income — quickly, transparently, and securely.

What is Huma Finance? 🟣

#HumaFinance calls this model PayFi — a smart combination of Payment and Finance (lending).

The way it works is very simple:

  1. You prove that you have upcoming income sources (salary, invoices, remittances, cash flow from platforms...).

  2. Huma's TVM Engine tool will value this income based on present value.

  3. You immediately receive 70–90% of the value of that amount.

  4. When actual income arrives in the account, the loan will be automatically settled.

👉 No collateral required. No pressure. Simply have money when you need it.

Who can use Huma?

Huma is designed for various user groups:

  • Employee & freelancer → Receive salary advance, no need to wait until the end of the month.

  • Small business → Get paid before customers settle their invoices.

  • Family → Receive remittances instantly instead of waiting many days.

  • Platform & marketplace → Unblock locked cash flow, increase liquidity.

If money is on its way, Huma helps you use it today.

Huma's unique selling points

  • Traditional DeFi: 'Use crypto as collateral to borrow.'

  • Huma Finance: 'We care about the income stream you will have tomorrow.'

This is a major turning point: borrowing based on the future, not the past.

The technology behind Huma

  • 🔹 On-chain smart contracts → Automatically manage loans & repayments.

  • 🔹 Off-chain verification → Ensure identity, income sources, and payment flows are transparent.

  • 🔹 Hybrid model → Combine the transparency of blockchain with the safety of real-world verification.

HUMA Token

HUMA token is the center of the ecosystem, with functions:

  • 🗳 Governance → The community participates in deciding the project direction.

  • 🎁 Incentives → Rewards for users and partners.

  • 🚀 Growth → Resources to drive ecosystem expansion.

Basic information:

  • Total supply: 10 billion HUMA

  • Issued: 1.73 billion

  • The remainder will be gradually allocated to the team, advisors, reward funds, and development.

Safety & Security

Huma focuses on protecting both borrowers and lenders through:

  • ✅ Smart contracts have been audited

  • ✅ First-loss protection mechanism & risk tranching

  • ✅ Full legal framework & KYC to ensure enforceability

Although risks still exist (such as delayed payments or regulatory changes), Huma is designed to minimize negative impacts.

The future of finance with Huma

💡 Instead of waiting, you can unlock future cash flow today.

Huma Finance is creating a new financial system where workers, businesses, and families around the world can access liquidity faster, more transparently, and more equitably.

👉 With $HUMA , the future of finance doesn't have to wait — and neither do you.