Getting a loan used to mean endless forms long waits and crossing your fingers that a banker liked your profile.
Huma Finance has flipped that script. They’ve built a decentralized credit protocol where you can tap into loans directly no banks, no middlemen, no hoops to jump through. From peer to peer lending to real-world asset–backed credit, it’s open to anyone, anywhere even if you’ve never had a traditional bank account.
And now, they’ve taken it a step further with tokenized credit: borrow instantly using your digital assets as collateral. No selling required, no permission needed, and every term is transparent on-chain.
This isn’t just another DeFi buzzword — it’s a working blueprint for a faster, fairer, and truly global credit system.
So the real question is… if you could get credit in seconds without setting foot in a bank, would you ever go back to the old way?