(Huma Finance (HUMA is the first pioneering payment financing network - combining payment infrastructure and financing to support credit on-chain based on income and receivables in the real world. Instead of a traditional lending system based on digital currency collateral, Huma allows users to borrow against future income streams - such as salaries, invoices, or remittances - and 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 70-90% of the expected future revenue, instantly and securely via smart contracts.