Huma is testing a bold hypothesis: credit should not be tied to fixed assets, but should be anchored in the ability to create value in the future.
For freelancers in developing countries, traditional banks refuse to lend due to a lack of collateral, while Huma can assess credit through cross-border remittance records.
This model not only lowers the threshold for financial services but also brings the concept of "credit as an asset" into practice: when the 3 billion unbanked people globally can obtain financing through future income, the true inclusive value of Web3 is revealed.
