Huma Finance – Redefining Lending Through PayFi
Traditional crypto lending relies on overcollateralization, but @Huma Finance 🟣 is building something entirely different: the first PayFi network, designed to bring real-world income and receivables-based credit on-chain. Instead of locking up large amounts of collateral, users can now borrow against their future income streams such as salaries, invoices, or remittances.
By applying the Time-Value-of-Money (TVM) model, Huma Finance analyzes predictable cash flows and instantly provides 70–90% of expected future revenue through secure smart contracts. This unlocks liquidity that was previously inaccessible, empowering individuals and businesses with faster and fairer financing.
The vision of PayFi is to create a sustainable credit system for Web3 — one where income, not collateral, defines creditworthiness. This is a massive step toward making decentralized finance practical for millions worldwide, from freelancers to small businesses.
With Huma Finance, DeFi evolves into a tool that reflects the real economy. It’s not just lending — it’s income-powered finance on-chain.