leading the way with the first-ever PayFi network, combining payments and financing into a seamless on-chain experience.
Instead of depending on traditional crypto-collateralized loans, Huma introduces a new paradigm: borrowing against real-world income streams—salaries, invoices, and remittances. 💼💸
Using the Time-Value-of-Money (TVM) model, Huma enables instant liquidity on future cash flows, giving users access to 70–90% of expected revenue—all secured by smart contracts. ⚡🔐
This approach connects Web2 and Web3 finance, unlocking uncollateralized lending based on real financial activity rather than token speculation. It’s practical DeFi built for workers, businesses, and global earners. 🌍✨
With HUMA, DeFi transforms from hype-driven speculation into real-world utility—bringing stability, scalability, and financial inclusion to millions worldwide. 🚀
🔥 Huma Finance isn’t just building a protocol—it’s redefining what money can do in the decentralized era.
