The financial world is undergoing a transformation. The traditional financial system has long relied on the historical credit records of individuals or businesses, but this model is being challenged. Huma Finance is pioneering a new financial era that looks to the future rather than the past.

Huma Finance is building the world's first PayFi network, and its core idea is refreshing: credit is no longer based on your past income, but rather on your future potential earnings. This forward-looking approach could fundamentally change our understanding and use of credit.

By combining smart contract technology and the Time Value Model (TVM), Huma makes future cash flows effective collateral on the blockchain. This means that your salary, regular bills, and expected remittances can all serve as the basis for obtaining credit. This innovative approach brings several significant advantages:

1. No Need for Cryptocurrency: Traditional crypto lending usually requires users to hold a large amount of cryptocurrency as collateral, but Huma's model breaks this limitation.
2. No physical collateral required: Traditional collateral such as real estate or vehicles is no longer needed.
3. High liquidity support: Users can obtain liquidity support of up to 90% of future income, greatly enhancing the availability of funds.

This new type of credit logic is not only a paradigm shift in the financial sector but also an important bridge connecting the Web3 virtual world with the real world. It opens up new possibilities for those who may find it difficult to obtain credit in traditional financial systems.

However, this model also brings new thoughts: are we ready to exchange "the future" for "the present"? This is not only a financial issue but also a philosophical question about personal financial planning and risk management.

With the development of Huma Finance, we may see more financial products and services based on future income emerging. This will provide individuals and businesses with more financial options, but it also requires us to carefully assess our future income potential and financial stability.

In this rapidly changing financial world, the innovation of Huma Finance undoubtedly provides us with a fresh perspective. It challenges our traditional perceptions of credit, value, and time, and may lead us into a more flexible and inclusive financial future.