@Huma Finance 🟣 is pioneering the PayFi model, merging payments and financing to unlock real-world income and receivables-based credit on-chain. Unlike traditional crypto-backed lending, Huma allows users to borrow against predictable income streams such as salaries, invoices, and remittances—making credit more accessible and inclusive.
Powered by its Time-Value-of-Money (TVM) framework, the protocol analyzes cash-flow patterns to provide instant liquidity covering 70–90% of expected future revenue. Smart contracts ensure this process is secure, transparent, and efficient.
With #HumaFinance , uncollateralized lending becomes practical and scalable, bridging the gap between traditional financial needs and decentralized infrastructure.