@Huma Finance 🟣 is pioneering the first PayFi network, merging payments and financing to create real-world income and receivables-based credit on-chain. Unlike traditional crypto-backed lending, Huma allows users to borrow against future income streams—such as salaries, invoices, or remittances—unlocking access to uncollateralized lending. Powered by the Time-Value-of-Money (TVM) model, the protocol analyzes cash-flow patterns to provide liquidity covering 70–90% of expected future revenue, delivered instantly and securely through smart contracts. By bridging DeFi with real-world income, #HumaFinance is reshaping credit access and driving inclusive financial innovation.
