In the wave of Web3 financial innovation, a unique PayFi network is emerging. This system, developed by Huma Finance (HUMA), cleverly integrates payment and financing infrastructure, providing strong support for blockchain credit based on income and accounts receivable in the real economy.

Huma's innovation lies in its groundbreaking lending model. Unlike traditional cryptocurrency collateralized lending, Huma allows users to use future income streams as a credit basis. This model encompasses various forms such as salaries, invoices, or remittances, pioneering a new paradigm of unsecured lending based on the time value of money ( TVM ).

The core advantage of this protocol lies in its advanced cash flow analysis capabilities. By deeply analyzing users' income and expenditure patterns, Huma can accurately assess the credit risk of borrowers. This intelligent risk control mechanism allows the protocol to quickly and securely provide liquidity support that matches users' expected future income through smart contracts, with liquidity ratios reaching as high as 70-90%.

Huma's innovation greatly enhances the flexibility and inclusiveness of lending in the decentralized finance (DeFi) sector. It not only provides a new financing channel for groups that are difficult for the traditional financial system to cover, but also injects new vitality into the entire Blockchain financial ecosystem.

As the PayFi concept gradually takes shape, we have reason to believe that this model, which seamlessly integrates real-world income with Blockchain technology, will play an increasingly important role in future financial services. Huma Finance's innovation may become an important bridge connecting traditional finance and decentralized finance, driving the entire industry towards a more inclusive and efficient direction.