Ultimately, what concerns people the most is safety. Huma's performance in this regard is much more reliable than you might think.
It is built on the Solana chain, naturally possessing high performance and low gas advantages, unlike some EVM chains where transfers can get stuck for a long time. The borrowing process, lending, and liquidation on Huma are all completed on-chain with second-level settlement, providing an experience comparable to Alipay.
Credit assessment is not based on 'storytelling', but on real and visible cash flow data: historical payment records, accounts receivable, business growth trajectories, etc. If you are a fraudster, the system will recognize you at a glance; but if you are a reliable small merchant, you can still access financing channels even without crypto assets.
For investors, this means a huge opportunity: you can lend money to real-world economic activities instead of getting stuck in liquidity pools waiting for a bull market. This is not a bubble; it is the beginning of an 'on-chain credit economy'.
In a time when DeFi is becoming increasingly extravagant and APYs are becoming more fictional, Huma has not entered those already saturated fields but has instead found a new path by bringing the weapon of credit, which is often kept under wraps in traditional finance, on-chain.
It does not rely on artificially inflated annualized yields to pile up TVL, nor does it hype 'revolutionary narratives'. Instead, it honestly transfers an effective model from the real world to a more transparent and efficient system. You can consider it 'on-chain banking 2.0', but it is much more efficient than banks and also more inclusive.
For LPs, this is a new opportunity with higher compliance.
For the market, this is a signal that DeFi is maturing. Huma may not be the 'hottest project', but what it does is genuinely practical.
