In DeFi today, capital is abundant but underutilized. Borrowers face impossible collateral requirements, while lenders chase yield. Huma Finance bridges the two by enabling credit that looks more like the real world.
🔹 The Core Innovation
Instead of demanding crypto collateral, Huma lets borrowers leverage their future earnings. Think of it as:
DeFi meets payroll loans
DeFi meets trade finance
DeFi meets revenue-based lending
🔹 Why Lenders Love Huma
Diversified Yield → Exposure to real-world payment streams
Transparent Risk Models → All data lives on-chain
Customizable Risk Appetite → Choose senior vs junior tranches
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🔹 Why Borrowers Love Huma
Accessible Liquidity without overcollateralization
Global Access without banking hurdles Fairer Rates driven by actual income potential
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🔹 The Road Ahead
If Huma succeeds, it won’t just be another DeFi protocol — it will be a credit backbone for Web3 and beyond. By 2026, it could stand alongside Aave and Compound, but with a stronger real-world foundation.
