Huma Finance is a decentralized finance (DeFi) protocol focused on unlocking the potential of income-backed and off-chain credit in Web3. It aims to bridge traditional financial models with blockchain technology by allowing users to access loans and credit products based on real-world income data, such as salaries, freelancing revenue, or business income. Unlike most DeFi platforms that rely solely on crypto collateral, Huma Finance uses income as a form of creditworthiness, opening the door for more inclusive and accessible financial services.

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