Traditional DeFi lending relies on over-collateralization, leading to low capital efficiency—while @Huma Finance 🟣 is breaking this deadlock with 'future income streams'. Through an on-chain credit scoring system, Huma allows users to obtain unsecured loans based on historical income data. 1. Freelancers **can pledge future wages to pay bills in advance. 2. DAO contributors **can access liquidity based on on-chain compensation records. Come experience it now! #HumaFinance #DeFi