🔮 Still locking USDC and WBTC in AAVE and letting them gather dust? Huma @Huma Finance 🟣 is breaking through the DeFi lending ceiling using the TVM model.
The traditional CeFi KYC is like extracting marrow, while DeFi’s 200% over-collateralization is capital waste; at the moment a freelancer in Africa uses Huma to withdraw three months' salary for rent, all of this becomes invalid. Salary flow, invoice flow, SWIFT remittance data are your on-chain credit credentials, and the 70% advance limit relies on smart contracts to decompose the time value matrix of funds in real-time—this calculation is ten times more accurate than that of a CEX wealth manager.
💸 Freedom to slack off advanced guide:
While peers are still cashing out with credit cards, your on-chain credit limit has automatically inflated with salary increases.
A $1 million contract to a Silicon Valley company can be liquidated for $900,000 the moment the invoice is stamped.
Oracles on the Polygon chain directly fetch PayPal and Wise transfer records; the SWIFT system has become an ancient relic.
The true core of the on-chain credit revolution: Huma slices the cash flow of the real world into blocks on-chain. 90 days before Coinbase salary arrival, Southeast Asian developers' lending contracts have already accrued interest in three cycles. What Euler Finance’s collapse taught the market, Huma rewrites the script with cash flow to hedge leverage.
"Future money spent now" is not about gambling but rather about high-frequency arbitrage of global cash flow. When MAU exceeds a million, the incremental TVL of PayFi can directly swallow half of Compound—after all, the payslips of workers are 100 times more real than the stablecoins in the wallets of whales.
📈 Ultimate goal: stuff SWIFT into smart contracts.
Internal messages say Huma @humafinance is integrating with the G20 salary system, and the next protocol upgrade may directly incorporate a salary tokenization module. Imagine the salaries of nurses in the Philippines being directly linked to the Huma credit pool; this is the true gold and silver that the RWA track should explode with.