Huma Finance (HUMA) is the first PayFi network aggregator—providing payment solutions and financial infrastructure to support real income and cash flow received according to credit system requirements. Instead of using traditional secured loan methods with collateral, Huma opens opportunities for users to borrow based on future income—such as: salary, invoice, or transfer funds—encouraging loans that do not require collateral by using Time Value of Money (TVM) as a foundation. By analyzing the cash flow patterns of fresh funds, Protocorn will provide a sustainable condition that aligns with future income by 70–90% instantly and ensures safety through smart contracts.#HumaFinan