human

1/
Imagine this:
Instead of using crypto assets as collateral, we use "salary", "invoices", and "stable income" to borrow.
This is not science fiction, but what @Huma Finance 🟣 is doing.
#HumaFinance is redefining on-chain credit.

👇 Let's see how it works.

2/
Limitations of traditional DeFi lending:
✅ Can only use crypto assets as collateral
✅ High volatility, significant liquidation risk
✅ Does not cover income groups in the real world

Huma proposes a core idea:
Use income streams as collateral to achieve the financialization of real income.

3/
How does it do this?
🔹 Build on-chain "income stream credit profiles"
🔹 Integrate with payroll platforms, invoice platforms, and financial service providers
🔹 Users can use these incomes as collateral for loans
A true "bridge of income from Web2 to Web3"

4/
Real-life examples:
Mastercard, Ramp, Request Finance, Circle, and others have participated in collaborations,
And there are already applications like salary-backed loans and invoice financing.

This is the beginning of DeFi no longer being "disconnected from reality."

5/
Why is this important?
Because it makes a new financial market feasible:
No need for high-value crypto assets
Serving SMEs, freelancers, and emerging economies
Making the on-chain credit system fairer and more inclusive

6/
We not only need more complex DeFi mechanisms,
But we also need more people to truly participate.
@Huma Finance 🟣 is such a forward-looking builder.

One of the RWA projects worth following continuously
#HumaFinance $HUMA