@Huma Finance 🟣 #HumaFinance $HUMA
Vision & Narrative:
Huma Finance enables decentralized, undercollateralized lending by using future income streams — such as salaries, invoices, and recurring payments — as collateral. The goal is to bring payroll advances, invoice factoring, and SME financing into the on-chain economy.
Core Technology / Protocol Stack:
Income oracles verify off-chain and on-chain revenue sources.
An underwriting engine assesses borrower creditworthiness.
Lending pools connect liquidity providers with verified borrowers.
Current Applications & Partnerships:
Integrated with platforms like Request Finance and Superfluid to give freelancers and gig workers early access to earnings.
Collaborates with DeFi and RWA protocols to expand credit availability.
Token Model / Ecosystem Incentives:
No public token yet; a future $HUMA token could support governance, staking, and protocol fee-sharing.
Why It Matters:
Bridges the gap between TradFi credit systems and DeFi liquidity, expanding financial inclusion.
Risks & Barriers:
Regulatory uncertainty around RWA lending.
Dependence on accurate, fraud-resistant income verification systems.
