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HumaFinance
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 secured by cryptocurrencies, Huma allows users to take loans against future income streams, such as salaries, bills, or remittances, facilitating unsecured loans driven by the Time Value of Money (TVM) model. By analyzing cash flow patterns, the protocol offers liquidity with a matching of 70% to 90% of expected future earnings, instantly and securely through smart contracts.
