The virtual finance sector is undergoing a revolution, with new payment and financing solutions represented by PayFi emerging prominently. Notably, Huma Finance has become a pioneer in this field, skillfully combining payment and financing infrastructure, and has pioneered a blockchain credit model based on actual income.

Traditional cryptocurrency lending usually relies on collateral, while Huma Finance takes a different approach. The platform innovatively uses users' future income streams as credit backing, offering lending services without collateral. Even more surprisingly, its lending limits are quite substantial, reaching up to 70% to 90% of anticipated future income. This model is more aligned with the actual needs of regular users, as not everyone has a large amount of cryptocurrency available to use as collateral.

From the perspective of market valuation, Huma Finance's current valuation still has a significant gap compared to some mature cryptocurrency projects. Nevertheless, PayFi, as an emerging financial model, has great potential. It successfully integrates the real economy with Blockchain finance, and this innovation may bring broader development opportunities.

Industry experts believe that the current undervalued state of Huma Finance may not last long. As more investors and users become aware of the advantages of this new lending model, market attention towards the PayFi sector is expected to increase rapidly.

However, we also need to be cautious about the development of this emerging field. Although the uncollateralized lending model is attractive, it also faces numerous challenges such as credit risk assessment and regulatory compliance. In the future, how PayFi companies achieve a balance between innovation and risk control will be a key factor in determining their long-term success.

Overall, the emergence of the PayFi sector has brought new possibilities to crypto finance. It not only broadens the channels for ordinary users to participate in the digital economy but also provides new ideas for the integration of traditional finance and Blockchain technology. With the continuous improvement of technology and the gradual maturation of the market, we have reason to expect that PayFi will play a more important role in the future financial ecosystem.