Data shows innovation! How Huma Finance's PayFi is reconstructing Web3 lending logic?

While traditional DeFi lending still relies on crypto asset collateral, Huma Finance's $HUMA

has opened up a path of innovation in the Web3 lending space with its PayFi model—key data and mechanisms precisely validate its reconstruction capability. #HumaFinance

From user coverage, Huma breaks the 'crypto asset threshold', focusing on the group of 'future income but lacking crypto assets'. This demographic far exceeds the existing crypto users, with hundreds of millions of freelance workers and cross-border laborers globally, providing massive incremental space for the ecosystem; in terms of efficiency, traditional crypto lending can take hours or even days to complete collateral and review, while Huma achieves real-time borrowing processes through 'income stream verification + TVM model + smart contracts', allowing users to quickly access 70%-90% of their future income; in terms of security, all transactions are executed by smart contracts, avoiding human intervention, while the TVM model ensures that loan amounts match cash flow, reducing default risk.

More critically, the ecological positioning: Huma connects real finance with Web3, forming a closed loop with four core roles (borrowers, liquidity providers, smart contracts, TVM model), which not only addresses the funding needs of borrowers but also provides new revenue channels for investors. @Huma Finance 🟣 #HumaFinance This design of 'solving real pain points + ecological closed loop' makes $HUMA not just a transaction token, but also the core force in reconstructing Web3 lending logic.