HumaFinance is a decentralized financial platform (DeFi) that operates on a model known as 'PayFi'. It combines traditional payments and decentralized finance.

Key principles of HumaFinance:

1. Lending against future income.

The main feature of HumaFinance is the ability to obtain a loan using future income as collateral. This can be:

Accounts receivable. Companies can receive an advance payment on unpaid invoices (factoring), which helps them manage cash flow.

Future salary. Employees can receive advances on their salary.

2. Decentralized infrastructure.

The HumaFinance platform utilizes blockchain (specifically, Solana) for instant and round-the-clock transactions. This allows bypassing traditional intermediaries like SWIFT, making operations faster and cheaper.

3. Ecosystem participants.

Several parties are involved in the operation of HumaFinance:

Borrowers. These can be companies or individuals who need liquidity and provide future income as collateral.

Liquidity providers. These are investors who provide their stablecoins.