Traditional lending has long demanded collateral—land, gold, or locked crypto. Huma Finance challenges this convention by launching the first PayFi network, enabling credit powered by future income streams.
Through blockchain and the Time-Value-of-Money (TVM) model, Huma allows workers, freelancers, and businesses to borrow against verified receivables like salaries, invoices, or remittances. This approach makes undercollateralized lending possible, offering up to 90% liquidity instantly.
For users, it means breaking free from financial exclusion. For businesses, it unlocks working capital without the friction of banks. For DeFi, it sets the stage for the next frontier—real-world finance on-chain.
