In traditional mortgages, the risk is overly concentrated, and even minor market fluctuations can lead to a chain of problems. The innovation of #Humafinance lies in using income as the basis for credit, dispersing risk across diversified cash flows.

@Huma Finance 🟣 calculates credit limits and risk status in real-time through smart contracts, and this dynamic adjustment makes the system more flexible. Compared to static mortgages, #Humafinance is more aligned with economic realities, resulting in lower volatility risk.

More importantly, this mechanism can enhance the resilience of the entire on-chain financial ecosystem. Whether it is personal income fluctuations or changes in corporate accounts receivable, the system has ways to self-adapt. $HUMA , as a liquidity and value carrier, ensures a smooth credit cycle.

From the perspective of investment and usage, the model of @Huma Finance 🟣 provides a completely new risk management logic, making DeFi not just a capital game, but also an exploration of a sustainable financial system.