In today's fast-paced life, we often face a tricky issue: the time difference between expected income and actual receipt. Whether it's delayed salaries, clients postponing payments, or various other reasons, such situations can bring considerable pressure to our daily lives.

However, with the continuous development of financial technology, an innovative solution is quietly emerging. Huma is building the world's first PayFi network, which is an on-chain infrastructure that combines payments and financing. Its core concept is no longer limited to the balance of your current account, but looks at the "funds you will have in the future."

Huma's innovation lies in transforming commonly seen "future income" proofs in our daily lives, such as pay stubs, client invoices, remittance records, etc., into on-chain credit assets. By modeling cash flow through smart contract technology, Huma is able to provide users with instant liquidity of up to 70-90% of expected income.

This model is suitable for various scenarios. For example, when you have just issued an invoice but the client has not yet paid, Huma can advance the payment for you; if you have a stable monthly salary income, Huma can recognize this pattern and release funds for you in advance based on it. Whether you are a freelancer, a cross-border content creator, or a small business owner, as long as you have a stable source of income, you can take advantage of this service.

It is worth noting that Huma's operating model differs significantly from traditional decentralized finance (DeFi). It no longer relies on highly volatile and high-risk cryptocurrency assets as the basis for lending, but is truly built on cash flow from the real world, pioneering a "revolution in on-chain credit."

Moreover, the entire process is automated through smart contracts, ensuring operational efficiency and transparency. This not only greatly enhances the flexibility of fund usage but also provides users with a brand new way of financial management.

With the promotion of this innovative model, we can foresee that future financial services will be closer to the actual needs of users, helping people better cope with the time difference between income and expenditure, thus achieving more flexible and efficient fund management.