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It is the first leading payment financing networkโcombining payment infrastructure and financing to support credit on-chain based on income and real-world receivables. Instead of a traditional lending system based on cryptocurrency collateral, Huma allows users to borrow against future income streamsโsuch as salaries, invoices, or remittances. This model facilitates unsecured lending, relying on the concept of "time value of money (TVM). By analyzing cash flow patterns, the protocol provides liquidity matching 70โ90% of the expected future revenue, instantly and securely via smart contracts @Huma Finance ๐ฃ #HumaFinanece
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