For years, DeFi has promised to 'empower finances for the unbanked.' However, most protocols only stop at collateralizing with crypto assets – where borrowers must lock up more money than the capital they receive. Huma Finance 🟣 emerges to change this status quo, opening up a new model: credit based on actual income streams.

New Credit Model: Based on Income Streams

Unlike the traditional overcollateralization mechanism in DeFi, Huma allows individuals and businesses to borrow based on future cash flows they will earn – such as salaries, pending invoices, or recurring revenue.

  • Freelancers: no need for collateral, just proof of work contract and upcoming income.

  • Small and medium-sized enterprises (SMEs): can use invoices and revenue streams as collateral to receive working capital.

  • Large organizations: easily optimize cash flow without needing to lock up capital to borrow.

This opens up opportunities for millions in underdeveloped financial areas, where traditional banks often do not serve effectively.

Tied to the Real Economy

Huma's highlight is not just the idea, but its ability to integrate directly with existing payment systems and services.

  • Collaborate with payment platforms to bring on-chain credit into real business processes.

  • Integrate with financial service providers to verify income, making borrowing seamless.

  • Bring DeFi out of the 'yield farming land for insiders' to those individuals and businesses that truly need capital.

Opportunities for Investors

For liquidity providers (LPs), Huma opens up a new asset class: income-based lending pools.

  • More stable compared to the volatile profit mechanisms in DeFi.

  • Diversify investment portfolios by connecting with various types of real cash flows.

  • Sustainable yields, not entirely dependent on the speculative cycles of the cryptocurrency market.

Long-Term Vision

Huma's mission is to build a global credit infrastructure layer where people can access capital based on potential rather than privilege.

  • Bring Real World Assets (RWA) to the blockchain in a pragmatic way rather than just a slogan.

  • Create a significant impact on lives: from freelancers needing capital to sustain their work, to businesses needing working capital for growth.

  • Build a decentralized economy that serves not just speculators, but becomes a tool for global economic empowerment.

✨ If successful, Huma Finance will not just be a DeFi protocol, but also become a global economic engine, bringing credit to anyone with future income.

♡𝐥𝐢𝐤𝐞💬 ➤ #HumaFinance @Huma Finance 🟣 $HUMA