HUMA FINANCE – THE FIRST PAYFI NETWORK ON-CHAIN
CREDIT POWERED BY REAL-WORLD INCOME STREAMS
#HumaFinance (HUMA) is building the first PayFi network, merging payments and financing on-chain to unlock real-world credit. | Instead of relying on over-collateralized loans, Huma enables users to borrow against future income streams such as salaries, invoices, or remittances. | Using its Time-Value-of-Money (TVM) model, the protocol analyzes cash-flow patterns to provide 70–90% of expected future revenue instantly through smart contracts. | This approach opens the door to uncollateralized lending in DeFi, bridging traditional finance with blockchain and giving individuals and businesses new ways to access secure liquidity.
