Huma Finance (HUMA) is introducing a groundbreaking model in decentralized finance (DeFi) called PayFi, which integrates real-world income sources into blockchain lending systems.
đ What is Huma Finance?
Huma Finance is the first decentralized Payment Finance (PayFi) network designed to transform global payment financing using blockchain technology. Unlike standard DeFi platforms that require crypto assets as collateral, Huma enables borrowing based on future incomeâsuch as salaries, invoices, or remittances. This inclusive approach expands credit access, especially for individuals and small businesses in developing regions.
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âď¸ How It Works
Income-Backed Loans: Users borrow funds by leveraging their future income, removing the need for crypto collateral.
Time-Value-of-Money (TVM) Framework: The protocol uses the TVM model to release 70â90% of projected income instantly through smart contracts.
On-Chain Cash Flow Matching: Huma analyzes users' cash flow data to efficiently and securely match them with liquidity directly on-chain.
đ Why Itâs Important
By linking real-world earnings to DeFi, Huma makes lending more realistic and inclusive. It shifts the focus from crypto holdings to actual income, opening financial access to a wider population.
đ Binance Listing
HUMA is slated to be listed on Binance, a move that could greatly increase its visibility and adoption. The listing is expected to improve liquidity and allow more users to explore Humaâs unique financial model.
