In the financial world, collateral has always been the core logic. But the problem is that most ordinary people do not have substantial collateral assets, which makes it difficult for them to obtain financial support. The innovation brought by #humaFinance lies in directly turning 'income' into a basis for credit.

The logic behind this is quite clear: compared to assets, income better reflects a person's actual repayment ability. For example, a programmer with a stable monthly salary or a company with long-term invoice receivables—these are real cash flows. @Huma Finance 🟣 has put them on the blockchain, allowing future income to be converted into today's credit.

This may seem like a small change, but it has profound implications for the entire financial ecosystem. It breaks traditional barriers, allowing more people to access financing tools equally. More importantly, this model creates a closer connection between on-chain finance and the real economy.

For me, #humaFinance is not just a protocol, but is building a new generation of credit ecology. It maximizes the value of income streams and dynamically manages risks in real time through smart contracts. This is why $HUMA is particularly crucial in the ecosystem; it is not just a token, but the core driving force of the credit system. @Huma Finance 🟣 is making finance more inclusive.