🚨 Warning! Is @Huma Finance 🟣 stealing Compound's livelihood? Is 'Real-time Credit Loan' a disruption or a scam?
Disruptive Truth
While Compound users are still cheering for 5% deposit returns, Huma has enabled Indonesian fisherman Old Wang to borrow $100,000 in unsecured loans using **on-chain fish selling records**!
Data Evidence👇
Capital utilization rate crushes traditional DeFi: Huma protocol TVL $430 million, but the loan facilitation amount is $1.7 billion (3.2 times that of Aave V3**)
> - Bad debt rate only 0.8% (traditional DeFi average 12%), relying on real-person on-chain behavior + AI oracle dual-core risk control
> - The most ruthless move: RWA asset on-chain (such as Tesla supply chain invoices) drives APY to **19%**, but do you dare to believe it?
>
> **Soul-Searching Questions**💣
> 1️⃣ If AI risk control mistakenly assesses your Twitter activity as 'bad credit', does it mean the poor will never have borrowing rights?
> 2️⃣ The 19% returns come from corporate invoices; what is the essential difference between this and the Terra anchoring mechanism before the crash?
>
> 👉 @HumaFinance please face it: **How to prevent RWA assets from becoming the next LUNA-style bomb?**
