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Huma Finance is a decentralized protocol focused on income-backed DeFi (Decentralized Finance) solutions. It allows users to tokenize future income streams—such as salaries, invoices, or government benefits—and use them as collateral for borrowing. This model expands financial access to individuals and businesses traditionally excluded from credit systems. Built on secure smart contracts, Huma supports peer-to-peer lending, yield generation, and credit risk management. By connecting real-world cash flows with blockchain technology, Huma Finance aims to bridge the gap between traditional finance and DeFi, promoting financial inclusion while maintaining transparency and efficiency. It represents a new wave of

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