One issue with traditional mortgages is risk concentration; once asset prices fall, the entire system can become unstable. The difference with #humaFinance is that it disperses risk over 'income' rather than asset value.

Because income itself is cyclical and diverse, the risk structure is healthier. For instance, a person may have a salary, a part-time job, and dividends; these diversified cash flows are more resilient to shocks than a single asset mortgage. @Huma Finance 🟣 incorporates this anti-risk capability into the credit model through smart contracts.

This mechanism allows #humaFinance to be more resilient in volatile markets. Its credit is not supported by speculation but backed by real economic activities.

In this ecosystem, $HUMA plays a transitional role: it is both a bearer of value and the lifeblood of ecological flow. @Huma Finance 🟣 has shifted risk management from 'assets' to 'income' in this way, which is a highly forward-looking design.