📊 $HUMA — Rethinking Credit Models with Time Value of Money (TVM)
Traditional credit scores (like FICO) are backward-looking. They judge borrowers mainly by past records, often ignoring those with new or non-traditional income streams.
@Huma Finance 🟣 is changing the game with its Time Value of Money (TVM) model. Instead of relying only on history, TVM looks forward—valuing future, verifiable cash flows like invoices or salary deposits.
Why this matters:
Fair Access → Freelancers, gig workers, and SMEs can finally be measured accurately.
Dynamic & Real-Time → Creditworthiness updates with actual future income, not outdated data.
Stronger Underwriting → A model built for the digital, decentralized economy.
$HUMA is setting a new standard where credit is no longer static—it’s adaptive, inclusive, and future-ready.
