#HumaFinance is a decentralized credit protocol based on blockchain, designed to achieve efficient and transparent on-chain lending services through smart contracts. Its core feature is the use of users' future income streams (such as salaries, subscription income, etc.) as credit basis, assessing risks through algorithms and lending in real-time without the need for traditional collateral. Huma supports a multi-chain ecosystem (such as Ethereum, Polygon) and introduces a 'credit delegation' mechanism, allowing users to share their credit limits with others, expanding the application scenarios of DeFi.
HumaFinance provides flexible financing solutions for individuals and small to medium enterprises by lowering credit thresholds and automating processes, while ensuring transparency and resistance to censorship through on-chain data. Its innovation lies in combining real-world income with DeFi, promising to promote the development of inclusive finance, but challenges remain regarding the accuracy of credit models and market volatility risks. Overall, Huma represents the evolution of DeFi towards more complex financial services. $BNB
