Approaching from the Perspective of LTV Logic Innovation (Reconstructing Loan-to-Value)
The traditional LTV (Loan-to-Value) is static: if you mortgage $1,000, you can borrow no more than $750. The biggest problem with this model is that it ignores time and behavior, which are the core of income value.
The LTV logic provided by HUMA is 'liquid' rather than 'static'; it does not freeze assets in one go but continuously grants credit based on monthly/quarterly income flows. This model resembles a 'dynamic credit pool' rather than an 'asset freezing warehouse,' providing users with a financial scheduling method that is closer to real life.
Once this logic becomes the standard, the entire lending system on the chain will shift from 'static LTV' to 'dynamic flow LTV,' which is a completely different financial architecture.
