Want to invest or spend today using future income? Huma Finance (HUMA) is making this vision a reality. Through its groundbreaking PayFi network, Huma has overturned the traditional definitions of lending in finance, introducing a brand new financing model: turning future income streams into instantly available funds.
Unlike traditional loans, Huma does not require physical assets as collateral. Instead, it allows users to use future income streams—such as upcoming salaries, invoice revenues, or remittances—as collateral to obtain instant loans. This innovative breakthrough is achieved through smart contracts, maximizing the efficiency and transparency of the lending process. Based on the Time Value of Money (TVM) model, Huma provides users with liquidity of up to 70%-90%, completely changing the rules of traditional financing that require significant collateral.
This model is not only highly attractive to individual users, but it also opens new financing channels for small and medium-sized enterprises. Especially for businesses that need to quickly convert accounts receivable into cash flow, Huma's PayFi network offers a seamless solution. This innovative financing method not only increases liquidity but also automates processes through decentralized smart contracts, ensuring efficient and secure lending.
Huma is building a new ecosystem that removes traditional financial barriers, making future income no longer an unreachable number, but capital that can be immediately realized. This brand new financial service model provides global users with more flexible financial management tools, promoting the deep integration of blockchain technology and traditional finance.
