When the 'payroll' becomes on-chain hard currency, the HUMAN token is rebuilding the 'operating system' of global credit.
The credit system of traditional finance is trapped in the 'collateral hegemony'—without real estate or stocks, your salary flow is almost worthless in the eyes of banks. But the HUMAN ecosystem has opened a breach using blockchain: monthly invoices from freelancers on Upwork, payment records from cross-border e-commerce on Amazon, and accounts receivable certificates from enterprises can all serve as credit collateral after being verified on-chain, with a collateral rate of up to 85%, and no need for any crypto asset backing.
At the core of all this is the HUMAN token: it is not only a governance certificate for the ecosystem (determining risk control parameters for credit assets in different industries) but also a carrier of 'credit liquidity'—staking HUMAN can unlock cross-chain financing permissions (for example, credit limits generated on Ethereum can be used directly on Avalanche), and holders can receive 40% of the platform's fee revenue as dividends each month (currently stabilized at an annual yield of 22%-28%). The ecosystem has processed $6.8 billion in real assets on-chain, with zero default records. This ability to 'leverage cash flow for capital' is making HUMAN the 'root server' for the digitalization of global credit.