Huma Finance (HUMA) is leading the construction of the world's first PayFi network, which deeply integrates payment and financing infrastructure, dedicated to supporting on-chain credit services driven by real-world income and accounts receivable. Unlike traditional lending models that rely on cryptocurrency collateral, Huma allows users to use future income streams—such as salaries, invoices, or cross-border remittances—as repayment guarantees, achieving truly unsecured lending. Its core mechanism relies on the Time Value of Money (TVM) model, which analyzes users' cash flow patterns through smart contracts, enabling secure and instant provision of liquidity equivalent to 70%-90% of expected future income. @Huma Finance 🟣 #HumaFinance , with Huma Finance