The conventional credit system prioritizes collateral, excluding millions of people who lack tangible assets. HumaFinance is revolutionizing this model by allowing “income” to serve as a basis for credit, creating more equitable financial opportunities.
The concept is intuitive: income, unlike fixed assets, offers a better measure of repayment ability. Whether it’s a professional earning a monthly salary or a company with predictable receivables, these cash flows can now be transformed into credit. By bringing income processes onto the blockchain, HumaFinance enables future earnings to be utilized in the present, expanding access to finance.
This innovative approach not only broadens financial access but also bridges on-chain finance with real-world economic activity. Through its smart contract system and the HUMA token, HumaFinance dynamically manages risks while creating a new credit ecosystem. The result is a more inclusive financial landscape, offering individuals and small businesses the resources to grow and thrive.
