In the fast-evolving world of DeFi, lending has traditionally been built around crypto collateral. Borrowers are required to pledge assets like BTC or ETH—locking them away until repayment. This model restricts access to capital only to those already holding significant crypto wealth.
Huma Finance is rewriting the rules with its groundbreaking PayFi (Payments + Finance) framework, where income itself becomes on-chain collateral.
🔑 The Core Idea: Income as Collateral
Instead of depositing crypto, borrowers stake future earnings—such as salaries, invoices, or remittances.
Smart contracts assess expected cash flow using a Time Value of Money (TVM) model.
Borrowers can instantly access 70–90% of future receivables.
Liquidity providers fund loans via pools and are repaid directly from incoming payments.
💡 Example: A freelancer expecting $5,000 this week can unlock upfront liquidity without pledging any collateral.
🌍 Inclusive & Transparent Finance
Huma isn’t just another lending dApp—it’s building an “Income as an Asset” protocol that works across:
➡️ Invoice factoring
➡️ Payroll advances
➡️ Supply chain finance
By tokenizing real-world cash flows and securing them with smart contracts, Huma brings trustless, auditable, and real-time lending to both individuals and enterprises.
🔗 Bridging TradFi & DeFi
Huma acts as a modern settlement layer, enabling:
Instant financing of tokenized invoices
Cross-border payments without banking delays
Global credit flows with on-chain transparency
👥 Built for Everyone: Retail & Institutional
Huma 2.0 (Retail): Permissionless pools, stablecoin deposits, double-digit yields, and access to income-backed loans.
Huma Institutional: KYC-integrated pools, receivables financing, senior/junior risk tranching—tailored for accredited investors.
For liquidity providers, yields come not from speculation, but from real-world financial activity, providing stability even in volatile markets.
📊 Governance & Tokenomics – $HUMA
Total Supply: 10B capped
Utility: Governance + ecosystem incentives
Deflationary model: 50% of borrower fees used for buybacks & burns
Rewards: Liquidity providers earn both yields & $HUMA
🌐 Real-World Impact
Huma’s model directly benefits:
➡️ Freelancers needing upfront liquidity
➡️ Businesses waiting on invoice settlements
➡️ Families relying on remittances
➡️ LPs seeking yield backed by real cash flows
With $3.8B+ already processed and partnerships with Solana, Circle, Galaxy Digital, Huma is no longer just a concept—it’s a functioning financial bridge.
🚀 The Big Picture
Bitcoin put currency on-chain.
Ethereum brought contracts.
Huma Finance is bringing cash flow itself on-chain.
This is a paradigm shift—making credit inclusive, transparent, and global.
