$HUMA Activate Unsecured Lending: The Era of PayFi, Where Assets Are No Longer a Barrier

Before Huma Finance, unsecured lending was a 'forbidden zone' in DeFi; with $HUMA , this forbidden zone is becoming a blue ocean. The PayFi network built by @Huma Finance 🟣 replaces traditional collateral with 'future income streams,' allowing those without crypto assets to enjoy on-chain financial services—this is not disruption, but a return of DeFi to the essence of finance.

The lending model driven by HUMA centers on trust in 'cash flow.' A freelancer with a stable monthly income in USD can obtain a loan based on future income after verification through Huma's smart contracts, without having to freeze any assets. The risk control of this model relies on deep analysis of income history rather than the market value fluctuations of collateral, which is key to Huma keeping the bad debt rate very low. HUMA, as a governance token, allows users to vote on risk control parameters, ensuring the protocol always aligns with real needs.

The yield system of Huma 2.0 is particularly impressive. The classic model offers a 10.5% annualized yield in USDC derived from real payment transaction fees, which is remarkably stable compared to DeFi; the Maxi model incentivizes long-term holding with 25 times rewards, and the tradability of the PST token allows users to have both offensive and defensive strategies. @Huma Finance 🟣 also connects cross-platform liquidity through protocols like Kamino, with 60% of the $13 million tokens unlocked on August 26 set to be injected into a stablecoin pool, further smoothing market fluctuations. This combination of 'stability + innovation' makes $HUMA a common choice for both institutions and retail investors.

#HumaFinance grants credit to those without assets, covering the globe with a network of 47 countries, #HumaFinance brings 8 million annualized income into reality, reconstructing lending logic with HUMA, and #HumaFinance connects wages with on-chain finance. When assets are no longer a barrier, DeFi can truly serve the masses—HUMA is the passport to this transformation.