The Problem Huma Solves — Unlocked Capital, Real Credit
Let’s talk about why Huma matters.
Most DeFi protocols still require overcollateralization — locking up more than you borrow. It’s capital-inefficient and doesn’t reflect how credit works in real life.
Huma changes that. It brings the concept of under-collateralized lending using real-world income sources
Think:
🔹 Freelancers borrowing against future gigs
🔹 Employees using salary streams
🔹 SMEs factoring invoices on-chain
By connecting income streams to DeFi credit rails, Huma unlocks capital for millions who were left out of traditional and DeFi lending alike.
This is the future of scalable, sustainable lending.