@Huma Finance 🟣
What is Huma Finance?
#humafinanec
A DeFi protocol for income and receivables: Huma allows the use of future revenues—such as salaries and invoices—as collateral for decentralized financing, instead of relying solely on crypto assets.
It calls itself the first global “PayFi” network, enabling institutions and individuals to access instant liquidity in stablecoins like USDC/USDT.
🎯 Business Model – PayFi
Real revenues (such as invoices or salaries) are tokenized and entered on the blockchain, and used as collateral to obtain credit.
Lenders on the blockchain fund liquidity, while borrowers provide liquidity in exchange for fees and interest, partially distributed to them and HUMA holders.
50% of borrowing fees are used to buy and burn HUMA tokens, supporting the effectiveness of demand and the scarcity of the token.
🛠️ Features and Concepts
Greater access for unbanked categories: Enabling income-based financing for users in emerging markets in transparent and fast ways.
Stable returns: Generated from real economic activity, which typically leads to consistent returns exceeding 10% annually for liquidity providers.
Supports institutions like Solana and Stellar, with funding partnerships with Circle, Galaxy Digital, and others.
