The most powerful breakthrough of their $HUMA is turning future cash flows directly into on-chain collateral. Assets like salaries and invoices, which are dead assets lying in TradFi, can now instantly release 70%-90% of liquidity through smart contracts. Compared to those old DeFi projects that stubbornly focus on crypto asset collateral, Huma's Time Value of Money (TVM) model is simply a dimensionality reduction strike — you don’t need to stake BTC; your earning capability itself is a credit certificate. Current Testnet data shows that in accounts receivable financing scenarios, the average loan amount can reach 85% of expected income, a figure that would scare a number of old-line institutions in the traditional factoring industry.

It makes sense that Solana chose them as a strategic partner in the PayFi track, as the low latency and high throughput characteristics of the chain perfectly match the needs for real-time cash flow analysis. From an investment research perspective, Huma's moat lies in abstracting DeFi into cash flow pipelines, with scenarios such as corporate payroll and cross-border trade settlements being migrated en masse on-chain. If they can tackle the tough nut of Southeast Asian supply chain finance, their valuation model might have to benchmark against traditional FinTech companies. The registration link has already been overwhelmed, and those in the know are betting whether this Singapore summit will release a new module for accounts receivable securitization.

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