#HUMA is an innovative decentralized finance (DeFi) protocol focused on building permissionless credit markets on-chain. It enables individuals and businesses to access stable and transparent lending solutions without relying on traditional financial intermediaries. By leveraging blockchain technology, HUMA introduces borderless borrowing and lending opportunities, ensuring global access to capital. The platform emphasizes real-world use cases, including income-backed loans, invoice financing, and credit lines for users underserved by banks. With smart contract automation, HUMA ensures security, transparency, and efficiency in transactions. Its vision is to empower financial inclusion, allowing anyone, anywhere, to build credit and unlock financial opportunities in Web3.