@Huma Finance 🟣 is pioneering the world’s first PayFi network, bridging payments and financing to bring real-world income and receivables-based credit on-chain. Unlike traditional crypto-backed lending, Huma enables users to borrow securely against future income streams such as salaries, invoices, or remittances. Powered by its innovative Time-Value-of-Money (TVM) model, the protocol analyzes cash-flow patterns to offer instant liquidity, typically matching 70–90% of expected revenue, all executed through smart contracts. This creates a scalable solution for uncollateralized lending, making decentralized credit more inclusive and practical for both individuals and businesses. With $HUMA at the core, the network is shaping the future of accessible, efficient, and transparent DeFi credit.
