Huma Finance (HUMA) is the first PayFi network that integrates payment and financing infrastructure to offer on-chain credit, backed by real-world income and receivables. Instead of traditional loans backed by cryptocurrencies, Huma allows users to borrow against future income streams, such as salaries, invoices, or remittances, facilitating unsecured loans driven by the Time Value of Money (TVM) model. By analyzing cash flow patterns, the protocol provides liquidity with an equivalence of 70 to 90% of expected future earnings, instantly and securely through smart contracts.

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