Brothers, recently I dug into HUMA's on-chain data and found that they are truly excelling in the decentralized lending space—its 'unsecured credit lending' bad debt rate can be compressed to below 0.3%, even lower than many leading protocols relying on over-collateralization. In the current crypto world with imperfect credit mechanisms, this is simply a groundbreaking black technology!
To be honest, DeFi lending has just a few setups—either over-collateralization freezes funds or credit loans are just randomly given limits that eventually blow up. But the HUMA team dares to innovate at the fundamental logic level. I reviewed their white paper, which uses a 'off-chain data oracle + dynamic risk scoring' dual-engine model. It not only looks at your on-chain assets but can also retrieve your off-chain credit records (like stable income flows) through compliance nodes, adjusting credit limits based on real-time market fluctuations. This risk control precision is far more advanced than those old models that only consider collateral rates.
What I find most reliable is its design of the 'cyclical credit pool'. Generally, lending agreements involve borrowing one amount and repaying another, but HUMA directly grants you a credit limit that you can borrow and repay at will, with interest calculated daily. Moreover, the money paid back can immediately release the limit for further borrowing, which is incredibly friendly for retail investors needing short-term turnover—it's like having a highly flexible 'credit card' on-chain, but with interest rates more than half lower than traditional finance.
The community is currently discussing how to optimize credit scoring, whether the newly integrated oracle nodes are reliable, and not many are shouting 'pump'. This focus on solving real lending needs is quite rare in today's chaotic market. For those researching the DeFi sector, I recommend paying close attention to the latest compliance data sources they are integrating. Bridging on-chain and off-chain credit, once it scales up, has far greater imaginative potential than those only engaged in collateralized lending.