@Huma Finance 🟣
🔍 *What is Huma Finance?*
*Huma Finance* is a decentralized finance (DeFi) protocol that brings *real-world income and payment streams* onto the blockchain. Instead of relying on traditional crypto collateral, it allows users to access credit based on future income like salaries, invoices, or remittances.
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💡 *Key Features:*
- *Income-backed lending:* Users can use future cash flows as collateral to borrow stablecoins like USDC.
- *On-chain credit scoring:* Creditworthiness is assessed using both blockchain and real-world data.
- *Programmable payments:* Smart contracts automate and secure repayments.
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🌐 *PayFi Network & Huma 2.0*
Huma introduced the *PayFi model*, enabling users to earn real yield from real-world payment streams. In 2025, *Huma 2.0* launched on the *Solana blockchain*, reaching *over 4 billion in transaction volume within two weeks*.
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🤝 *Merger with Arf*
In April 2024, *Huma merged with Arf*, a cross-border liquidity and settlement platform. The new entity, *00 Holdings Inc.*, aims to lead the tokenization of real-world assets and transform global finance.
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🔗 *Token and Ecosystem*
- *HUMA Token:* Used for staking, governance, and access to ecosystem services.
