Crypto lending often requires overcollateralization, locking up more value than you borrow. PayFi, powered by Huma Finance, flips this model. Instead of relying on static assets, it looks at cash flow patterns and future earnings to generate credit access.
Think of it as “finance that works like your paycheck.”
A delivery driver in Nairobi, a freelancer in Manila, or a startup in New York can access credit seamlessly by pledging receivables instead of hard collateral.
By cutting out intermediaries, Huma creates a borderless network for payments and lending—making finance truly global, fast, and inclusive.
