In today's evolving landscape of decentralized finance (DeFi), @Huma Finance 🟣 provides a meaningful innovative direction: *income and cash flow-based credit agreements*. Huma Finance focuses on the financialization of 'real-world assets (RWA)', creating an infrastructure that connects off-chain income with on-chain credit, helping individuals and businesses obtain financing more fairly.

Huma's highlight lies in its credit assessment model, which no longer relies on traditional on-chain collateral but instead combines real income data for risk assessment and loan pricing. This means that individuals or institutions who cannot provide substantial collateral but have stable income now have the opportunity to receive low-threshold, high-efficiency funding support in the blockchain world.

Currently, Huma has integrated with various stablecoin platforms, payment channels, and income data providers, establishing key pathways from off-chain to on-chain. For example, in collaboration with Circle and Request Network, Huma is able to verify and utilize invoices, salaries, and other income documents as lending basis, thus achieving a true sense of 'unsecured lending'.

In terms of personal experience, @Huma Finance 🟣 's platform interface is clear, the process is convenient, and risk control is relatively mature, making it one of the RWA projects I am currently most optimistic about. It not only broadens the application boundaries of DeFi but also brings new possibilities for financial inclusion and off-chain financial services. As more data sources and institutions participate, Huma's ecosystem will become increasingly complete, and the potential of $HUMA should not be underestimated. #HumaFinance