Have you heard of a new type of financing method? Recently, some fintech companies are developing innovative payment and financing networks that cleverly combine the two. This new model no longer relies on traditional Crypto Assets collateral but allows borrowers to use future income streams as collateral, such as wages, accounts receivable, or expected remittances.

This cutting-edge financial service utilizes smart contract technology to quickly analyze the cash flow status of borrowers. Based on this data, it can swiftly provide loans to users, with amounts reaching up to 70% to 90% of expected future income. This approach essentially leverages the time value of money to address the current funding needs of users.

This innovative model could fundamentally change the way people access funding. It offers new financing channels for those with stable income but may lack traditional collateral. Furthermore, due to its nature based on future income, this approach may be more flexible than traditional loans and better suited to the borrower's actual financial situation.

However, like all emerging financial products, this model may also face challenges in regulation and risk management. In the future, how to strike a balance between innovation and robustness will be key to the development of such financial services.

With the continuous advancement of financial technology, we may see more innovative products like this emerging. This could not only change the way individuals manage their finances but also have a profound impact on the entire financial industry. For ordinary consumers, understanding and wisely using these new financial tools will become increasingly important.