Huma has been a hot topic lately, and at first I thought it was just another hype coin trying to capitalize on pre-launch hype. But after digging deeper, I realized it wasn't just empty talk; they were actually working on a real-world solution: bringing real-world cash flows like salaries, payouts, and project revenue to the blockchain, allowing this previously "idle" cash to be directly converted into financing.
To put it simply, Huma Finance combines "revenue on the blockchain" with credit financing. It's creating a brand new model called PayFi (Payment + Finance).
Sounds mysterious? Here are a few examples to help:
• Are you a freelancer with a stable monthly income? Once you're on the blockchain, you can use that income to apply for a loan.
• Did your company complete a project, but the client hasn't paid yet? This invoice can be used directly as an asset.
• Have an outsourced team finished their work and are waiting for payment from the client? They can also directly secure financing.
As long as there's a "revenue record," the platform will lend money. There's no need to stake unwanted small currencies, nor is there any pressure to sell NFTs to cash out.
The core logic can be summed up in one sentence: income is credit, and credit can be considered an asset.
This isn't just a rehash of DeFi's gameplay; it's a complete overhaul of its underlying logic. While most projects are still playing the "coin-to-coin" game, Huma is already exploring the "cash flow-to-credit" model.
So why has it suddenly become so popular recently?
Because Huma is truly taking action:
• Staking events are already open, and participating will earn you rewards.
• The points system has just launched, and early investors can expect 10x returns.
• It's integrated with ecosystems like AI and RWA, and its resources are truly accessible.
• Most importantly, it's truly connected to real-world financial data, and its implementation logic adheres entirely to the principles of traditional finance.
Look at the current market: most RWA projects are still just selling stories under a new guise, while Huma has already implemented blockchain processes. They're not just talking about RWA, but the launch is all about hype and hype.
