@Huma Finance 🟣 is reshaping the future of decentralized credit with the first PayFi network, moving beyond collateralized lending to unlock real-world income and receivables-based financing on-chain. By enabling users to borrow against predictable cash flows like salaries, invoices, or remittances, Huma introduces uncollateralized lending powered by its Time-Value-of-Money (TVM) model. Through advanced analysis of income patterns, the protocol provides liquidity of up to 70–90% of expected revenue—delivered instantly and securely via smart contracts. This innovative approach bridges payments and credit infrastructure, expanding financial access while maintaining transparency and efficiency in DeFi. #HumaFinance
