Is PayFi the Future of On-Chain Lending? My Unique Take!
What if you could borrow against your future salary or invoices—without putting up crypto as collateral? That’s exactly what @Huma Finance 🟣 is making possible.
Huma Finance is pioneering the first PayFi network, blending payments and financing to bring real-world income streams on-chain. Unlike traditional crypto lending that relies on over-collateralization, $HUMA enables users to borrow against receivables like salaries, invoices, or remittances. Powered by the Time-Value-of-Money (TVM) model, it can instantly match 70–90% of expected revenue with liquidity, securely executed via smart contracts.
My perspective: this is the missing link between Web3 and real-world finance—turning future cash flows into present liquidity. If widely adopted, PayFi could unlock uncollateralized lending at scale, expanding DeFi far beyond its current limits.
Would you trust an income-based credit system on-chain? Share your thoughts below!
