Huma Finance (HUMA) is the first to build the world's first PayFi network, which integrates payment and financing infrastructure, aiming to support on-chain credit based on real-world income and accounts receivable. Unlike traditional lending backed by cryptocurrencies, Huma allows users to borrow against future income streams (such as salaries, invoices, or remittances), facilitating unsecured lending supported by a time value of money (TVM) model. By analyzing cash flow patterns, the protocol can instantaneously and securely provide liquidity that matches 70-90% of expected future income through smart contracts.

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