DeFi needs credit. Not just leverage or speculation — real credit.
For the first time, borrowers can access on-chain loans using future revenue as collateral.
No overcollateralization. No gatekeeping. Just provable income flows powering capital access.
This unlocks lending for users and businesses who’ve never had access — especially in emerging markets.
Already live through USDC-based partnerships.
Already distributing millions in real loans.
Beyond that, an on-chain credit layer is emerging.
Behavior, repayment, consistency — all measured transparently to build reputation and trust.
This isn’t a lending protocol.
It’s the infrastructure for financial identity — composable, portable, and earned.
$HUMA ties the ecosystem together — enabling governance, access, and aligned incentives.
