Huma Finance (HUMA) is building the world's first PayFi network that integrates payments and financing, pioneering a new on-chain credit model. Unlike traditional crypto lending platforms, Huma allows users to secure loans without traditional collateral by leveraging future income streams (such as salaries, invoices, and remittances) as collateral. This innovative model is based on the Time Value of Money (TVM) framework, breaking through the limitations of traditional financial systems and providing a viable solution for unsecured lending.
Huma's PayFi network not only offers a new perspective on lending but also ensures transparency and security throughout the lending process through the automated execution of smart contracts. The platform assesses expected future income in real-time based on users' cash flow patterns and instantly provides users with liquidity of up to 70%-90% through smart contracts. This allows Huma's lending services to flexibly respond to short-term funding needs while avoiding the cumbersome credit assessments and collateral reviews typical of traditional lending.
Through this innovative lending approach, Huma provides more convenient financing channels for individuals and businesses, seamlessly connecting on-chain credit with real-world income streams. This model not only enhances the liquidity of funds but also offers users more flexible financial services, enabling them to better manage their finances and capital flows in a rapidly changing economic environment.
With its forward-looking technology and unique business model, Huma Finance is transforming the landscape of the global financing market, providing users with smarter and safer financial services, and promoting the further development of decentralized finance.
