On-chain Bank of Income Streams: Huma Finance Redefines Personal Credit

While banks still impose restrictions on loan collateral, @Huma Finance 🟣 has built an on-chain 'personal bank' based on future income. Here, paychecks are your credit proof, invoices are your collateral, and remittance records are your proof of repayment ability—PayFi network allows anyone with a stable income to easily access unsecured credit services.

The operational logic of this 'on-chain bank' is clear and efficient: the @Huma Finance 🟣 smart contract automatically analyzes user cash flow patterns, assesses the predictability of future income, and provides instant credit limits of 70%-90%. No offline signing is required, no credit investigation is necessary, the entire process is completed on-chain, ensuring transparency and enhancing efficiency. Whether for emergency funding or seizing opportunities, quick access to financial support is available.

$HUMA tokens serve as the 'equity proof' of this bank. Staking $HUMA allows participation in the formulation of banking rules, from rate adjustments to the launch of new services, giving each user a voice; its highly scalable design enables the 'bank' to serve global users, processing massive income flow data, ensuring that everyone's credit needs are promptly addressed.

@Huma Finance 🟣 is upgrading the personal credit business of traditional banks to the Web3 era. Through on-chain integration of real-world assets (RWA), offline income can seamlessly connect to on-chain finance. #HumaFinance allows everyone to have their own 'on-chain credit limit', #HumaFinance redefines the assessment criteria for personal credit, #HumaFinance is building a decentralized bank for everyone.