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From salary to invoice, how HUMA can release your future income on-chain.
"If I told you that you could receive next month's salary today, without looking for the boss or the bank, just using a wallet address, would you believe it?"
In traditional finance, the logic of borrowing money is that you must first have collateral in the form of assets or a credit score as a guarantee. However, Huma Finance (HUMA) takes an unconventional approach by focusing on "the money you are about to receive in the future," such as salary, invoices, and cross-border remittances, and then uses encryption to turn them into instantly available liquid funds.
What is HUMA?
Huma Finance @humafinance 🟣 is building the world's first PayFi (Payment + Finance) network.
Its goal is straightforward: to enable users to borrow money on-chain using future income streams.
Unlike traditional crypto lending, which requires collateral like ETH or BTC, HUMA supports using payroll, accounts receivable, or even stable remittance records to exchange for 70-90% of future income as immediate liquidity.
How does it do it?
The underlying logic of HUMA is the TVM (Time Value of Money) model - simply put, it is about using smart contracts to "buy out" the money you are going to receive in the future.
For example:
You are a freelancer and issued an invoice for 1000 dollars today.
In a traditional banking system, it may take 30 days for customer payments.
With HUMA, you can pledge invoices on-chain and immediately receive liquidity of $700–900.
After the customer makes the payment, the smart contract automatically settles the difference.
Ecology and Endorsement
Partners: Solana, Stellar Development Foundation, Circle, Galaxy Digital
Financing: Completing a $38 million investment in 2024
Deployment: Multi-chain layout, planned to cover global cross-border payments, supply chain financing, freelance market
Technical advantages: modular structure + AI risk control model + smart contract automatic settlement
Opportunities and Challenges
Opportunity:
Combining RWA (real-world assets) and DeFi, the potential market is enormous.
There is an immediate improvement in the capital turnover efficiency for freelancers, cross-border merchants, and supply chain enterprises.
Challenge:
How to implement credit assessment standards on-chain
Compliance requirements for "future income collateral" in different jurisdictions.
How to prevent off-chain data fraud
The payroll of the future will not be paper-based, nor will it be bank statements, but rather on-chain transferable assets.
The question is, are you willing to exchange the "money you haven't received yet" for today's opportunities?
Welcome to share in the comments, will you use HUMA?
—— Coin Observation
#HumaFinance $HUMA