@Huma Finance 🟣 is reshaping decentralized lending with the first PayFi network, introducing income and receivables-based credit to Web3. Unlike traditional crypto-backed loans, Huma enables borrowing against real-world future income streams such as salaries, invoices, or remittances—powered by its innovative Time-Value-of-Money (TVM) model. By analyzing cash-flow patterns, the protocol delivers instant liquidity, covering 70–90% of expected revenue, securely through smart contracts. With #HumaFinance , uncollateralized lending becomes efficient, accessible, and built for real-world adoption.
