Web3Credit

Huma vs Aave & Goldfinch: What Makes Huma Different?

Not all DeFi lending platforms are built the same.
Let’s compare Huma Finance to well-known projects like Aave and Goldfinch — and explore what makes each one unique 👇

🏦 Aave
• Uses crypto collateral only (e.g., ETH, USDC)
• Requires over-collateralization (you lock $150 to borrow $100)
• Great for DeFi-native users, but limited for real-world borrowers

🌍 Goldfinch
• Focuses on real-world credit in emerging markets
• Uses off-chain underwriting and credit scoring
• Borrowers must be businesses vetted by auditors
• More centralized than typical DeFi

💸 Huma Finance
• Uses real-world income (invoices, salaries, receivables) as on-chain collateral
• Brings PayFi: payment + finance in one
• Empowers freelancers, small businesses, and creators
• Credit decisions are decentralized and transparent

🧠 My View:
While Aave and Goldfinch are important to the ecosystem, Huma brings something new — a practical path to unlock capital from everyday income, not just crypto or institutional credit.

This could be the key to making DeFi truly inclusive and usable for more people.

👇 What kind of lending model do you believe in — crypto-based, off-chain, or income-driven?

#HumaFinance #Aave #Goldfinch #DeFiComparison #Web3Credit