In the rapidly evolving world of decentralized finance (DeFi), Huma Finance is leading a groundbreaking shift with the launch of the first PayFi (Payment + Financing) network. By bridging real-world financial flows with blockchain infrastructure, Huma is reimagining how credit is accessed, delivered, and secured—without the need for traditional collateral.

Breaking Free from Collateralized Lending

Unlike most DeFi lending protocols that require users to overcollateralize with crypto assets, Huma Finance introduces an uncollateralized model built on the foundation of real-world future income streams. Whether it's a salary, invoice, or international remittance, Huma enables borrowers to access funds based on the value of their incoming cash flows.

This innovation marks a major leap toward financial inclusion, giving freelancers, gig workers, and underbanked communities the ability to borrow capital without locking up assets they may not have.

The Power of PayFi: Payment Meets Financing

At the core of Huma's offering is the PayFi network—a fusion of payment infrastructure and financing mechanisms powered by blockchain technology. The protocol uses smart contracts to analyze users’ income patterns, employing the Time-Value-of-Money (TVM) model to determine the present value of future revenue.

Based on this analysis, Huma provides instant liquidity covering 70–90% of a user’s expected future income, enabling borrowers to access cash in real-time, while ensuring transparency and automation through secure smart contracts.

A Seamless, Smart, and Inclusive Financial System

Huma’s system leverages real-time data to assess creditworthiness, match liquidity, and manage risk dynamically. Lenders enjoy reliable, yield-generating opportunities, while borrowers benefit from fast, frictionless access to funds—without the red tape of traditional finance.

By decentralizing access to credit and anchoring it in cash-flow-backed lending, Huma is not only changing the way we think about DeFi—it’s bringing blockchain closer to solving real-world financial challenges.

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Huma Finance isn’t just removing collateral—it’s removing barriers. Welcome to the PayFi revolution.

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