Huma Finance — Onchain Infrastructure for Income-Backed Finance
Huma Finance is building a new category in Web3: onchain income-based lending**.
Instead of requiring over-collateralization, it unlocks capital based on **real income streams
• Protocols integrate payroll, cash flow, and transaction data
• Borrowers access credit based on provable earnings
• Lenders gain exposure to lower-risk, recurring-revenue profiles
Huma doesn’t disrupt traditional finance — it upgrades it, onchain.
The result is a Web3-native credit system that’s transparent, data-driven, and scalable.