链上蓝精灵
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Huma Finance: Borrow money instantly with future salaries, automatically repay! A new way of financing without collateral or waiting.
Huma Finance (HUMA)'s project vision and technical architecture indeed represent a rather innovative development direction in the DeFi space. Next, let us delve into its model, potential impacts, and challenges faced:
Core innovation and value proposition:
Anchoring 'real world income streams' (RWAS - Real World Asset Streams):
Beyond traditional collateralized lending: Traditional DeFi lending relies on over-collateralization of crypto assets (such as ETH, BTC, stablecoins). HUMA expands the range of collateral to off-chain, continuously generated cash flows, such as salaries, invoices (accounts receivable), royalties, subscription fees, and even remittances.
Core innovation and value proposition:
Anchoring 'real world income streams' (RWAS - Real World Asset Streams):
Beyond traditional collateralized lending: Traditional DeFi lending relies on over-collateralization of crypto assets (such as ETH, BTC, stablecoins). HUMA expands the range of collateral to off-chain, continuously generated cash flows, such as salaries, invoices (accounts receivable), royalties, subscription fees, and even remittances.
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