HumaFinance
Huma Finance (HUMA) is the first leading payment financing network—combining payment infrastructure and financing to support credit on-chain based on income and real-world receivables. Instead of a traditional collateral-based lending system relying on digital currencies, Huma allows users to borrow against future income streams—such as salaries, invoices, or remittances. This model facilitates unsecured lending, relying on the concept of 'time value of money (TVM). By analyzing cash flow patterns, the protocol provides liquidity matching 70–90% of the expected future revenue, instantly and securely through smart contracts.