Recently discovered a particularly interesting DeFi project — it is doing something very different:
💡 Making "income" a credit collateral on the blockchain.
Traditional DeFi lending usually relies on collateralizing crypto assets, like ETH or USDC, which leads to:
📉 No assets ≠ No financing ability, yet being "turned away" by reality.
#HumaFinance 's idea is quite different; it has pioneered a completely new approach:
🔓 As long as you have stable income, you can finance on-chain.
Whether you are a freelancer, an employee, a creator, or even a business, Huma can help you turn your income stream into a "credit certificate," enabling on-chain financing and lending. This essentially redefines the logic of DeFi, allowing more people and more income scenarios to participate, not just "those who have coins."
🌍 Even more impressive, Huma has already established many practical applications and collaborations:
Collaborating with Circle to open up stable payment channels for USDC
Partnering with Ramp to lower the threshold for users to deposit fiat
Utilizing Superfluid's streaming payment protocol to track real income streams
Coinbase Wallet has also integrated Huma's functionality, directly supporting on-chain interactions.
The scenarios they are expanding into are also very broad, such as:
🔸 Freelancers can pledge income for credit loans
🔸 DAO members can obtain liquidity support based on salary streams
🔸 Businesses can finance through accounts receivable
🔸 DePIN project parties can convert revenue streams into financing capabilities.
In summary: Huma Finance makes "having credit" no longer equal to "having assets," making DeFi fairer from now on.
