From "Coin Collateralization" to "Income Collateralization": Huma Finance Reconstructs the Logic of Lending

Traditional crypto lending is like "robbing Peter to pay Paul"—you need to have coins before you can borrow money, making it impossible for those without assets to participate. But @Huma Finance 🟣 has taken a different approach: its PayFi network doesn't consider how much coins you have, only your future income stream. Salary, part-time job dividends, and even undelivered invoices can serve as "borrowing vouchers," completely reversing the logic of lending.

Their risk management is also interesting. Traditional lending relies on asset prices; if the price of the coin drops, the position will be liquidated. Huma, however, spreads the risk across "income"—a person may have multiple sources of income, including salary, side hustles, and dividends. Even if one source fluctuates, the others can provide a buffer. Smart contracts monitor your cash flow in real time. If your income fluctuates, the credit limit will automatically adjust, eliminating the need for manual review. #HumaFinance This "dynamic risk control" is far more reliable than simply monitoring asset prices.

The $HUMA token is the "glue" of the ecosystem: holding it allows voting on protocol upgrades, staking it earns returns, and even offers discounted interest on loans. The platform currently has an active asset pool of 104 million yuan, and many of its over 20,000 users are ordinary workers—some use it to advance their wages and rent, while others use invoices to borrow money to fund their businesses. @Huma Finance 🟣 doesn't boast about "disrupting finance," but by simply "turning income into liquidity," it's truly paving the way for ordinary people. #HumaFinance

Conclusion: Lending shouldn't be reserved for those with assets. Huma Finance makes "future money" available for emergencies. This kind of down-to-earth innovation is the direction DeFi should take.