Reconstructing the On-chain Credit System Breakthrough $HUMA with Income Data
When we talk about DeFi, the first reaction may still be digital asset collateral, but this path actually has significant limitations, especially for ordinary users who do not have a large amount of digital assets, as the financing threshold has always been high. What makes HUMA special is that it uses 'income' as a more real and stable cash flow as the cornerstone of credit.
Consider this: salary and bill income data are actually the best indicators of a person's repayment ability, but traditional finance and on-chain finance rarely utilize it directly. HUMA 'tokenizes' this income data through on-chain contracts, turning it into a liquid credit asset, allowing users to obtain loans without having to pledge large amounts of assets.
This not only significantly lowers the financing threshold but also greatly enhances the inclusiveness and resilience of the credit system. You do not have to worry about the risks brought by the volatility of cryptocurrency prices because your credit is based on 'your stable income,' which is a huge boon for many freelancers and small businesses in terms of financial innovation.
Prices start at $0.035, with a target of a 10-fold increase, largely stemming from this fundamental change in the credit paradigm. HUMA brings DeFi financial services closer to the future of the real economy.