Crypto梦醒时分
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Still troubled by 'lack of collateral loans'? Huma Finance is rewriting the rules with the PayFi network—here, paychecks, outstanding invoices, and cross-border remittances, the 'money that will arrive in the future', serve as the strongest 'credit credentials'.
As the world's first PayFi network that integrates payment and financing, Huma has stepped away from the traditional crypto lending 'relying on coin collateral' approach. It focuses on real-world income streams: whether it's the next month's salary for an employee or the payment for orders awaiting collection for a business, as long as the cash flow is stable and predictable, borrowing is possible. The underlying logic is simple—the time value of money (TVM); receiving future funds in advance today can resolve urgent issues more effectively.
The specific operation is also efficient: smart contracts will automatically analyze your cash flow patterns, such as whether salary transactions are consistent and whether the invoice payer has overdue records. Once verified reliable, liquidity of 70-90% of anticipated income can be released on the spot, all handled on-chain without needing to sign a pile of documents offline.
Just like Mr. Zhang, who runs a small grocery store and needs to stock up at the beginning of the month while waiting for supplier payments at the end of the month. He uploaded the supplier's debt confirmation to Huma, and the system found that the other party had no overdue records for six months. That day, he borrowed 80% of the expected payments and successfully stocked up. For ordinary users, encountering unexpected expenses while waiting for salary? The company's salary proof can also facilitate quick turnover.
This model transforms 'future certainty' into 'current flexibility', especially providing new options for individuals and small to medium-sized enterprises that lack traditional collateral. Huma Finance's move essentially digs deep into the 'value of cash flow'—it turns out that true credit is hidden in the income that is certain to come.
@Huma Finance 🟣 #HumaFinance
As the world's first PayFi network that integrates payment and financing, Huma has stepped away from the traditional crypto lending 'relying on coin collateral' approach. It focuses on real-world income streams: whether it's the next month's salary for an employee or the payment for orders awaiting collection for a business, as long as the cash flow is stable and predictable, borrowing is possible. The underlying logic is simple—the time value of money (TVM); receiving future funds in advance today can resolve urgent issues more effectively.
The specific operation is also efficient: smart contracts will automatically analyze your cash flow patterns, such as whether salary transactions are consistent and whether the invoice payer has overdue records. Once verified reliable, liquidity of 70-90% of anticipated income can be released on the spot, all handled on-chain without needing to sign a pile of documents offline.
Just like Mr. Zhang, who runs a small grocery store and needs to stock up at the beginning of the month while waiting for supplier payments at the end of the month. He uploaded the supplier's debt confirmation to Huma, and the system found that the other party had no overdue records for six months. That day, he borrowed 80% of the expected payments and successfully stocked up. For ordinary users, encountering unexpected expenses while waiting for salary? The company's salary proof can also facilitate quick turnover.
This model transforms 'future certainty' into 'current flexibility', especially providing new options for individuals and small to medium-sized enterprises that lack traditional collateral. Huma Finance's move essentially digs deep into the 'value of cash flow'—it turns out that true credit is hidden in the income that is certain to come.
@Huma Finance 🟣 #HumaFinance
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