In the TradFi system, obtaining a loan usually requires physical collateral, which is not ideal for many high-net-worth individuals. However, an innovative financial project is changing this situation, allowing future income to become available funds today.

This project allows people to use future income such as salaries and stock dividends as collateral for loans. It creates a network that closely integrates 'payment' and 'financing', fundamentally changing our understanding of credit.

Imagine a system where you no longer need to mortgage properties or cryptocurrencies to obtain a loan. This system converts your future income into credit certificates. At its core is the 'Time Value of Money' ( TVM ) model, which recognizes that money has different values at different points in time.

The uniqueness of this system lies in its ability to intelligently analyze users' cash flow history. Based on expectations of stable future income, the system can quickly and securely advance users 70%-90% of this expected income through smart contracts. For example, the salary you will receive next week can be used today to address urgent needs.

This is not just an unsecured loan, but an innovative way to create instant liquidity anchored to income streams. It allows the 'value locked in time' to work in advance, opening up a new financing channel for ordinary employees and small business owners. In short, this method allows funds to work for you in advance.

This innovative financial model may have a profound impact on the TradFi system, providing more people with flexible financing options. However, caution is also needed when using this service, with a reasonable assessment of one's repayment ability to avoid falling into debt traps. In the future, we may see more similar financial innovations that further blur the lines between payment and financing.