The Future is Within Reach, Time is the Witness
——The New Narrative of Huma Finance
Friend, have you ever experienced: your salary hasn't been credited yet, but the bills are already pressing; clearly, future income is certain, yet it can't solve the immediate problems. Traditional finance only recognizes houses and cars, but not the future, and Huma Finance wants to change all of that.
1. Old Shackles
On-chain lending mostly requires excessive collateral, with ETH and BTC collateral rates often reaching 150%. Those without assets don't even have the qualification to enter.
2. New Key
Huma proposes a new approach: salary flows, invoices, and remittances can all serve as credit. Smart contracts analyze cash flow and can instantly release 70%–90% of future income. You can use tomorrow's money today.
3. Time Value
One dollar used today is more valuable than one used tomorrow.
Huma brings this classic economic principle on-chain, quantifying it with algorithms and executing it with contracts, allowing time to become credit.
4. Real Beneficiaries
Freelancers: Invoice advances alleviate pressure;
Cross-border workers: Remittances serve as credit, reducing costs;
Small and medium enterprises: Accounts receivable converted to liquidity;
Salaried employees: Salary flows can be borrowed, steering clear of usury.
5. Vision
Huma is not just about lending; it aims to build a PayFi network. In the future, once the salary is credited, it can be automatically allocated for investment, consumption, and repayment all in one go. Finance will no longer be cold, but will help people live with peace of mind.
Conclusion
Huma Finance's attempts may still be on the way, but it reminds us: future income can also become today's confidence.
If tomorrow's money can be safely used today, wouldn't you feel that life isn't that difficult?
