DeFi doesn’t scale by chasing whales—it scales by underwriting the next billion contributors.
Huma’s thesis: Credit should be composable and earned, not locked behind token balances.
It empowers:
🔹️ Builders: to create embedded credit vaults
🔹️ Users: to monetize verified work as risk collateral
🔹️ Protocols: to coordinate liquidity around real economic activity
This changes the narrative from “who has money” to “who is building value.”
A foundation for equitable DeFi.