Huma Finance enables 'future income' to become a solid ground for borrowing, not through magic, but through real technological strength 🔧! It never blindly trusts verbal promises, but instead builds a solid foundation of trust using three layers of technological means:
The first is to 'move' income proofs like pay stubs and invoices onto the blockchain ⛓️, utilizing its immutable characteristics to ensure that each proof is as authentic and credible as if it were stamped with a steel seal; the second is to use big data to 'peer into' users' historical income patterns 📊, accurately outlining the contours of repayment ability, like creating a clear 'health report' for future income; the third is to let smart contracts act as 'fully automated stewards' 🤖, running the entire process from lending to repayment independently, eliminating the need for human intervention and completely eradicating any human manipulation.
This combination of three technologies is like putting three safety locks 🔐 on 'future income', transforming what was once invisible and intangible expectations into reliable financing evidence. For example, freelancers who rely on outsourced projects can have Huma analyze their past payment records, instantly discerning the stability of their income, and then confidently lend the money 💸. The cumulative lending scale of 1 billion dollars is the 'passport' stamp from the market for this technological logic ✅!