【Huma Finance Introduction Series · Part Two: Your On-Chain Behavior Determines Your Lending Limit】

Want to get an unsecured limit at @humafinance? The key is the 'On-Chain Credit Score'. It does not rely on traditional credit checks that look at offline data; instead, it focuses on every action you take on-chain:

- Historical Repayment Record: Timely repayments in other lending protocols (like Compound) will earn you points; late repayments will deduct points, directly affecting Huma's credit.

- Asset Flow Stability: Consistent inflows and outflows of stable assets like ETH and USDC over a long period (without large abnormal fluctuations) will be viewed as 'financial stability'.

- Protocol Interaction Depth: Do you frequently use DeFi (swaps, staking), play blockchain games, or hold NFTs? These 'active behaviors' can prove that you are a real user, not just a yield farmer.

The higher your score, the higher your limit (currently, the initial limit for a single user is generally between 100-500 USDC, and high-quality users can raise it to several thousand). Worried about a low score? Engage in compliant operations on-chain; the credit score is dynamically updated.

In the next part, we will teach you how to complete your first loan in 3 steps～

@humafinance

#HumaFinance