Why are institutions pouring 1 billion into HUMAN? Understanding the fusion logic of 'RWA + DeFi' reveals the scale of this windfall
The joint investment of 30 million HUMAN by Galaxy Digital and Pantera is no coincidence. What they are focusing on is the unique 'three-layer credit infrastructure' of the HUMAN ecosystem:
• Data layer: Co-constructing 'off-chain data verification nodes' with six global credit agencies such as Experian and Equifax to ensure the authenticity of real assets;
• Model layer: An AI-based dynamic risk control system (parameters optimized by votes from HUMAN token holders) that can adjust credit premiums in real-time for different regions and industries;
• Application layer: A credit protocol supporting multi-chain settlement (already integrated with five public chains), allowing enterprises to put 30-day invoice payment terms on-chain for early financing at an annualized interest rate of 6.5%, costing only one-third of traditional factoring services.
For institutions, the value anchor of HUMAN is clearly calculable: for every 100 million USD of real assets circulating within the ecosystem, the amount of HUMAN tokens destroyed will increase by 2% (for every 1 dollar earned in platform fees, 0.5 dollars will be used for repurchase and destruction). At the current growth rate, the ecosystem GMV is expected to exceed 20 billion USD by 2025, at which point the circulating supply of HUMAN will be reduced by 40% compared to now—this 'demand growth + supply contraction' dual drive is the underlying logic that encourages institutions to invest heavily.