The traditional mortgage model concentrates risk, making it prone to turmoil when asset prices fluctuate. However, #Humafinance uses income as the foundation of credit, dispersing risk across diversified cash flows, providing a new logic.

@Huma Finance 🟣 utilizes smart contracts to dynamically calculate credit limits and risks, making the system flexible and closely aligned with actual economic conditions. This means that the financial ecosystem can withstand more fluctuations without relying on a single asset collateral.

This mechanism makes $HUMA more meaningful; it is not just a token but also the core driving force behind the entire credit system's operation. The design of #Humafinance demonstrates the enormous potential of combining on-chain credit with the real economy.

In the long run, the model of @Huma Finance 🟣 provides a more sustainable and robust foundation for DeFi. #Humafinance is transforming on-chain finance from a high-risk game into a practical economic tool.