Is borrowing in DeFi still being subjected to "how much collateral to borrow" PUA? Huma Finance directly turns the table—your on-chain behavior is your "credit card", and how much you can borrow depends on how "reliable" you usually are!

This is not just borrowing; it's like giving crypto players a "no-collateral green light":

✅ Can you borrow with 0 collateral? Yes! As long as you have a stable transaction record on-chain (like sending USDC to your girlfriend every month for bubble tea), and your NFT holdings are not randomly sold (holding blue chips for over six months), the system automatically calculates your credit score, and the limit is approved faster than a food delivery guy.

✅ Can the interest rate get "cheaper the more you borrow"? That's right! Pay back on time 3 times, and the APR is cut in half; dare to be late? Next time the borrowing rate will spike to make you question your life (warning for defaulters⚠️).

✅ Can friends help you "increase your limit"? Amazing! Big shots in the DAO guarantee you, and your limit triples (hurry up and cling to the one holding coins 10万$HUMA ).

The technology behind it is even more impressive: machine learning analyzes all your on-chain traces—from the time you first bought ETH, to which project you tipped with gas fees, even counting the number of times you've answered questions on Discord as "social credit". Risk control speed is N times faster than banks; if someone tries to fake 30 small repayments to boost their score, the system directly marks them as "suspected of scamming", zeroing their limit + putting them on the blacklist.

Now for the soul-searching question: How much limit can your wallet get on Huma?

A. 50,000 U (on-chain nice guy, stable transactions + no defaults)

B. 500 U (occasionally chasing low-value coins, but never defaulted)

C. 0 (once borrowed and deleted the wallet, the system holds a grudge)

Stop being the "asset hostage" of collateralized lending; Huma has brought credit to life, and the $HUMA token can also be staked to increase your limit. What are you waiting for? @Huma Finance 🟣 #HumaFinance $HUMA