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Family, who understands! Yesterday I borrowed some money using Huma Finance, and the collateral was actually next month's salary—this operation feels like using a time machine to exploit capital! When I urgently needed money before, I tried traditional DeFi lending, either I was terrified that the staked ETH would drop to the liquidation line, or I had to fill out a bunch of KYC forms and wait forever. But HUMA's PayFi network directly analyzed my on-chain income stream, and I received USDC in ten minutes, with a limit of 80% of the expected income!

The most outrageous part is that it was entirely unsecured, relying solely on smart contracts to assess my cash flow model, and even invoices and remittances can become credit assets. Of course, it was a bit confusing for beginners; the TVM (Time Value of Money) model made my head spin, but once I understood it, it was fantastic—now my NGO friends and I use it to advance aid funds, and the interest rates are a hundred times more civilized than loan sharks!

However, during a bear market, the limits may fluctuate, and it relies on income stability, which might deter those who prefer to take it easy. But overall, it’s simply a financial tool for workers! Have you tried 'monetizing future income'? Come share your exciting operations! @Huma Finance 🟣 #HumaFinancе $HUMA