For a long time, the financial system has always defined credit by 'what you own'—real estate, assets, collateral. But the truly universal wealth is not these, but the income that each person creates through labor.
The PayFi network of @Huma Finance 🟣 allows wages, invoices, and remittances to become credit assets on the blockchain. Users can obtain up to 90% liquidity in advance without collateral, and transparency and security are ensured by smart contracts.
This is a rewriting of credit logic, making finance no longer the privilege of the asset class, but belonging to all those who strive to create value.
