Income Equals Credit: Huma Finance Restructures Personal Financial Value

In the new financial world built on @Huma Finance 🟣 , your income stream is the best proof of credit. No need for property collateral, no asset proof required; continuous income records such as wages, invoices, and remittances can be converted into on-chain credit limits through the PayFi network, making 'income equals credit' a reality.

The innovation of this credit system, #HumaFinance , lies in the deep application of data. The smart contract of @Huma Finance 🟣 constructs a dynamic credit model by analyzing the stability, continuity, and predictability of income flows, adjusting the credit ratio in real-time by 70%-90%. The more stable the income model, the higher the credit limit; the better the repayment record, the lower the borrowing cost, allowing everyone's financial behavior to directly affect their own credit value.

The token $HUMA is the value carrier of this credit system. Users participate in the optimization of the credit model through HUMA, providing feedback on the assessment suggestions for different income types, making the system more aligned with real-world needs. At the same time, HUMA also acts as a 'lubricant' for credit; holding tokens can enhance credit assessment efficiency and reduce borrowing rates, empowering both credit and token value.

@Huma Finance 🟣 is breaking the monopoly of traditional credit systems. While credit reports are still defining your credit, #HumaFinance has allowed income streams to speak, restructuring the assessment dimensions of personal financial value, and #HumaFinance is establishing a fairer credit distribution mechanism.