Huma Finance and the new era of decentralized finance with the PayFi network

While most DeFi platforms today still focus on the model of crypto-collateralized loans (, Huma Finance has chosen a different path: building a system that combines lending – payment called PayFi Network. With PayFi, Huma offers the ability to borrow without collateral, based on future income streams such as salary, bills, or remittances. This is an important step, as it helps bring the real income power of users in the real world into the blockchain space, opening up financial access opportunities for those who do not hold many crypto assets but have a stable cash flow. Core model: Time-Value-of-Money )TVM( Huma's solution center is the Time Value of Money model )TVM( – an economic principle that determines the present value of future cash flows. With this mechanism, 70–90% of the borrower's future verified income will be converted into present value and disbursed instantly through a smart contract. The process of verification, valuation, and disbursement is fully automated, helping to reduce operating costs, minimize risk, and ensure transparency. Outstanding advantages of Huma Finance Unsecured lending, based on future income Users can borrow funds based on stable income instead of collateral. Integrating real financial data. The system can link with salary, bills, or remittances to verify income streams. Automation through smart contracts. All processes from verification, valuation to disbursement are digitized and automated. The PayFi network Combining payment and credit flows, providing a unified experience for both borrowers and lenders. Vision: Inclusive finance for everyone Huma Finance is not just building a lending protocol, but also pursuing the mission of expanding access to DeFi for millions of people who are not adequately served by the traditional financial system. Individuals with stable income but lacking collateral will have access to capital. Huma exploits a multi-trillion USD credit opportunity, bridging centralized finance )CeFi( and decentralized finance )DeFi(. Each individual can convert their income potential into liquidity, serving consumption, investment, or personal development. Conclusion With the PayFi network, Huma Finance not only creates a new lending product but also redefines the platform of credit activity: from being asset-based to income potential-based. This opens up a future where trust, labor capacity, and actual income are the new standards for accessing credit – instead of owning collateral. Huma Finance is creating a new era where DeFi becomes a tool for financial empowerment for millions, bringing blockchain closer to real economic life.

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