New era token The Web3 credit landscape is entering a new era, and @Huma Finance 🟣 is at the center of this transformation with its PayFi network. Unlike the old model of locking crypto as collateral, Huma reimagines lending by turning real-world income streams — like salaries, invoices, subscriptions, and remittances — into usable liquidity.
This shift is revolutionary. Borrowers can now unlock funds based on their future cash flows, making credit fairer, more inclusive, and practical. Powered by its Time-Value-of-Money (TVM) model, Huma evaluates income potential and enables borrowing up to 70–90% of projected revenues — seamlessly managed by smart contracts.
From freelancers accessing invoice advances to small businesses leveraging subscriptions, Huma’s PayFi bridges payments and finance, redefining credit for the digital economy.