Huma Finance: Unlocking on-chain unsecured lending with future income. Huma Finance (HUMA) is building the world's first "PayFi" network. By integrating payment and financial infrastructure, it enables innovative on-chain lending backed by real-world income (such as wages, invoices, and remittances). Unlike traditional crypto-collateralized lending, Huma's revolutionary breakthrough lies in: Core Mechanism After users connect their income accounts, the protocol intelligently analyzes cash flow history (frequency, stability, and amount) based on the Time Value of Money (TVM) model to dynamically calculate credit limits. Borrowers who pass algorithmic verification can instantly obtain on-chain loans equivalent to 70-90% of the present value of their future income (e.g., a stable monthly salary of $5,000 → an advance of $3,500-4,500), without the need for collateral. ☕ Value Innovation Lowering barriers to entry: Service workers, freelancers, and other groups can obtain financing based on their payroll. Improving efficiency: Smart contracts automate loan issuance and repayment, eliminating traditional financial review delays. Risk Control: The TVM model quantifies repayment capacity, replacing the over-collateralization model. ☕ Key Significance Huma transforms real-world payment flows into DeFi credit infrastructure, paving a new on-chain path for the trillion-dollar RWA (Real World Asset) market. If it successfully overcomes the challenges of income verification and data oracles, it has the potential to reshape the global infrastructure for inclusive finance. @humafinance #Humafinance $BTC #WhiteHouseDigitalAssetReport {future}(BTCUSDT)