💡 Rethinking On-Chain Credit with Huma Finance (HUMA)
@Huma Finance 🟣 is building the first PayFi network, transforming how lending works in Web3. Instead of relying on overcollateralized crypto loans, Huma enables borrowing against future income streams — salaries, invoices, remittances, and more.
By leveraging the Time-Value-of-Money (TVM) model, Huma analyzes cash flow patterns and unlocks 70–90% of expected future revenue instantly and securely through smart contracts. This innovation bridges payments and financing, making uncollateralized lending a reality on-chain.
From freelancers to enterprises, Huma Finance is setting the standard for real-world income-backed credit in DeFi.
