Huma Finance is a blockchain-based Payment Financing (PayFi) protocol designed to unlock liquidity from real-world income streams. By tokenizing assets such as invoices, payroll, and recurring payments, Huma enables users to access capital instantly and transparently.

Unlike traditional lending systems that require rigid credit assessments, Huma allows borrowers to use future cash flows as collateral. This makes it especially useful for small businesses, gig workers, and underbanked communities that are often left out of mainstream finance.