Huma Finance: The Future of Lending Without Collateral
Huma Finance is changing how lending works in Web3. Instead of using crypto as collateral, it allows users to borrow against future income — like salaries, invoices, or remittances.
This new model is called PayFi (Payments + Finance), and it gives people access to fast, secure, and fair credit — all on-chain.
🔹 No crypto collateral needed
🔹 Borrow up to 90% of your future income
🔹 Backed by smart contracts and cash flow analysis
🔹 Ideal for freelancers, workers, and businesses
By using the Time-Value-of-Money (TVM) model, Huma Finance brings real-world income into the blockchain space — helping more people get the credit they deserve.
This is not just another DeFi protocol. It’s a step forward in making finance accessible, inclusive, and useful for everyone.