#HumaFinance @Huma Finance 🟣 Huma Finance (HUMA) pioneers the first PayFi network by combining payment and financing infrastructure to support income-based credit and real-world receivables on the blockchain. Instead of using traditional loans backed by crypto, Huma allows users to borrow by collateralizing future income streams—such as salaries, invoices, or remittances—enabling unsecured loans backed by a Time-Value-of-Money (TVM) model. By analyzing cash flow patterns, this protocol offers liquidity matching of 70–90% of expected future income instantly and securely through smart contracts.