Most lending in DeFi today still works the same way: lock up your crypto, borrow against it, and hope you don’t get liquidated. ❌
Huma Finance ($HUMA) is flipping that model on its head with something brand new → PayFi. 🔥
Instead of needing big bags of collateral, Huma lets people borrow against their future income — things like salaries, invoices, or even remittances. That means real-world cash flow finally becomes usable on-chain.
Here’s why that’s huge:
🔹 No collateral required — lending is based on income, not holdings
🔹 Access up to 70–90% of expected revenue instantly
🔹 All handled by smart contracts → transparent & secure
🔹 Powered by the Time-Value-of-Money (TVM) model to keep lending sustainable
This opens DeFi to a massive group of people who were previously excluded because they didn’t have large crypto assets sitting idle. It’s finance that’s way more aligned with how the real world actually works. 🌍
And at the center of it all is the $HUMA token → used for governance, incentives, and powering the PayFi ecosystem.
Huma isn’t just building another lending protocol. It’s creating a new era where income itself becomes financial power.
