@Huma Finance 🟣 and use hashtag #HUMAFINANCE🟣

Huma Finance is a decentralized protocol for on-chain income-backed financing, enabling real-world lending use cases like payroll advances, working capital, and small business loans — all powered by blockchain tech.

In short:

Huma brings real-world income streams on-chain and uses them as collateral for loans.

🔑 Core Features

1. 🧾 Income-backed Loans

Borrowers can get loans based on future income or receivables.

Smart contracts verify and tokenize income data for lending.

2. 📊 Dynamic Credit Profiles

Huma builds real-time, evolving creditworthiness profiles using:

Wallet history

Income/payment streams

On-chain behavior

3. 🌉 Real-World Use Cases

Payroll financing (advance salaries)

Gig economy lending (e.g., freelancers, drivers)

Working capital loans for small businesses

Government and NGO-based financial programs

4. 🔒 Privacy-preserving Data

Uses ZK (zero-knowledge) tools to keep sensitive financial data private but verifiable.

💰 Token & Economic Layer

As of now:

No official token ($HUMA) has launched.

The team may introduce a governance or utility token for:

Protocol incentives

Liquidity mining

Risk sharing in credit pools

📈 Backers & Partners

Huma is backed by top-tier names and ecosystems:

Investors:

a16z crypto (Andreessen Horowitz), Circle Ventures, Paxos, and others.

Ecosystem Partners:

Coinbase Base: Huma launched programs like on-chain small business lending on Base.

Visa: Selected for Visa’s Web3 Developer Program.

Paxos USDP: Used as a stablecoin for settlements.

📦 Live Products

Receivables Financing Platform (live with Base & USDC)

SMB On-chain Lending (pilots in emerging markets)

Payroll Financing with real companies and non-profits

🔄 Recent Highlights (Mid-2025)

🏦 Partnered with NGOs and local governments to offer micro-loans on-chain in underserved regions.

🤝 Collaboration with DePIN and gig economy platforms to extend credit based on off-chain income.

📡 Expanded to Base, Polygon, and Optimism ecosystems.