Huma is pioneering an identity-native credit layer for DeFi—where verified off‑chain income becomes programmable collateral.
This means:
Earnings data from HR, invoicing, and payroll are tokenized as credit risk signals
Borrowers tap liquidity from cash flow—not crypto lockups
Builders can embed credit primitives directly in their apps
For fintechs and DeFi platforms, this flips the logic:
• Credit decisioning becomes composable
• Risk mitigation is based on real productivity
• Approval cycles are fast, automated, global
It’s programmable credit infrastructure, not just another lending app.
And it’s live.