@Huma Finance 🟣 $HUMA is a pioneer in developing the first PayFi network, which combines payment and financial infrastructure to support real income and lending based on on-chain receivables. Instead of traditional collateralized cryptocurrency lending, #HumaFinance allows users to borrow against future earnings, such as salaries, invoices, or remittances, facilitating unsecured lending based on the TVM (Time Value of Money) model. By analyzing cash flow patterns, the protocol instantly and securely offers liquidity that corresponds to 70–90% of expected future income through smart contracts.