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@Huma Finance 🟣 (HUMA) is pioneering the first PayFi network—blending payment and financing infrastructure to support real-world income and receivables-based credit on-chain. Instead of traditional crypto-backed lending, Huma enables users to borrow against future income streams—like salaries, invoices, or remittances—facilitating uncollateralized lending powered by the Time-Value-of-Money (TVM) model.

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