The financing savior for small and micro enterprises, $HUMA activates the real economy

The owner of a textile factory in Bangladesh no longer has to stay up at night worrying about payroll — he uploaded the order contract at @Huma Finance 🟣 and borrowed 80% of the payment in USDC within an hour, paying the workers on the same day. This is the dawn of financing for small and micro enterprises.

Traditional banks have closed their doors to small and micro enterprises, while @Huma Finance 🟣 has opened a new window with the PayFi model: no collateral is needed, and loans can be obtained based solely on accounts receivable, with interest rates 68% lower than local financial institutions. The key factor is efficiency; the entire process from application to disbursement is completed on-chain, making it 10 times faster than traditional processes, allowing businesses to seize fleeting opportunities.

The design of the $HUMA token allows ecosystem participants to win together. Liquidity providers deposit stablecoins, earning 10.5% annualized returns while also earning token rewards; enterprises solve financing difficulties through the platform, driving business growth that feeds back into the ecosystem. 50% of the protocol's revenue is used for buybacks and burns, forming a value closed loop.

With the support of #HumaFinance , numerous small and medium-sized enterprises globally have seen over 30% revenue growth in a year, while the bad debt rate has been controlled at below 0.3%, far lower than the 5.7% for traditional small micro loans. Behind this set of data is the regained confidence and expanded operations of countless business owners.

#HumaFinance is empowering the real economy with blockchain technology, and $HUMA is the value carrier of this empowerment.