Is DeFi lending still stuck in over-collateralization?
@Huma Finance 🟣 Bringing breakthrough changes! 💡
Huma's core innovation lies in using real-time on-chain income streams (like salaries, stable income) as the basis for credit, rather than relying on volatile crypto collateral. This brings significant advantages:
✅ Lower barriers: Opens credit to users with stable income but no collateral.
✅ Higher limits: Credit limits based on actual income capacity, making it more practical.
✅ Reduced risk: Focuses on stable cash flow to minimize the impact of market volatility.
Huma is bridging the gap between real income and on-chain credit, creating a smarter and more inclusive DeFi lending future! I'm optimistic about this income-based model! What does everyone think? 👇