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Huma Finance (HUMA) is a pioneer in developing the first PayFi network, which combines payment and financial infrastructure to support real income and lending based on on-chain receivables. Instead of traditional collateralized lending, Huma allows users to take loans against future earnings, such as salaries, invoices, or money transfers, facilitating unsecured lending based on the TVM (Time Value of Money) model. By analyzing cash flow models, the protocol instantly and securely offers liquidity that corresponds to 70–90% of expected future income, using smart contracts.