Huma unlocks undercollateralized lending through income-backed credit.
▪️Borrowers use payrolls, invoices, and revenue streams as dynamic collateral.
▪️Protocols issue credit lines that adapt to verified, real-world income.
▪️Capital becomes accessible without overcollateralization or liquidation risks.
▪️Stakers secure the network and earn yields for underwriting credit risk.
▪️Multi-chain architecture supports deployments across Ethereum, Solana, and Stellar.
Huma bridges traditional finance with Web3-native lending infrastructure.