@Huma Finance 🟣 Huma Finance (HUMA) is pioneering the first PayFi (Payment + Finance) network, integrating payment and financing infrastructure to bring real-world income and receivables-based credit on-chain. Unlike traditional crypto-backed lending, Huma allows users to borrow against future income streams—such as salaries, invoices, or remittances—enabling uncollateralized lending through its innovative Time-Value-of-Money (TVM) model. By analyzing users' cash-flow patterns, the protocol provides instant and secure liquidity via smart contracts, offering up to 70–90% of projected future revenue.#humafinance