Imagine that your monthly salary, future invoice income, and even upcoming remittances become funds you can access today. This is not the plot of a science fiction novel, but the reality that Huma Finance (HUMA) is making possible. Huma breaks the traditional financial reliance on assets and credit, transforming income streams into a new financial tool that fundamentally changes the way lending works.
Huma's PayFi network integrates payment and financing functions, providing users with a borrowing model based on future income. This means you no longer need to pledge physical assets or undergo cumbersome credit checks. Through smart contracts, Huma quickly and securely provides liquidity of up to 70%-90% based on your future cash flow. This model not only addresses short-term capital turnover issues but also offers broader applications for decentralized finance.
This income stream-based lending approach is not only focused on individual users; it is also applicable to small and medium-sized enterprises. Especially in invoice financing, businesses can directly convert accounts receivable into instant funds, enhancing liquidity and accelerating business decision-making. This innovative approach utilizes the time value of money (TVM) model, making financing not only more transparent but also more efficient.
Through Huma, future income becomes capital that can be directly utilized today. This groundbreaking design removes the barriers of traditional finance, providing a wider range of flexible financing options for a broad user base, marking the entry of on-chain finance into a whole new era.
