In the DeFi world, there are too many projects that prioritize concepts; they discuss technology, discuss models, discuss valuations, but ultimately fail to effectively find real scenarios.
However, @Huma Finance 🟣 is exactly the opposite; it is a product born out of 'demand-driven' pressure.
#HumaFinance starts from the issue that hundreds of millions of people in the real world do not receive fair financial support.
In everyday social platforms and if you visit Latin America, you will find that many people have income and repayment ability but lack 'assets', resulting in an inability to obtain loans.
Huma proposed another perspective:
Income streams are also collateral. This fundamentally breaks the financial industry's inherent concept of 'asset = collateral'.
In terms of implementation, Huma did not create a 'big and complete' platform, but focused on building a contract framework of 'income on-chain + credit support', allowing partners to quickly integrate.
This is a combination financial module that can be used in native Web3 scenarios and can also connect with real-world partners. In my view, this is not DeFi 2.0, nor a temporary product of the RWA craze, but a protocol tool that can create sustained value in the real world over the long term. 🔩
Genius Act boosts PayFi growth🚀 We are facing huge demand from payment partners and institutional LPs. Huma 2.0 is about to restart, kicking off a new round of deposits!
🟣 Classic model = 10% APY + up to 11 feathers
🟣 Maximum model = up to 19 feathers
In a market full of speculative narratives, Huma is more like a builder who progresses steadily without competing or grabbing.