🤖 【Machine War】How does Huma use AI to penetrate bank risk control costs? @Huma Finance 🟣

The Dilemma of Traditional Banks:

❌ The cost of credit review for small and micro enterprises accounts for 5%-8% of the loan amount

❌ Relying on the central bank's credit system cannot cover the global market

Huma's Dimensionality Reduction Attack:

→ Deploying 12 loan pools to achieve full automation of approvals

→ Constructing over 300 risk control dimensions through on-chain data + third-party signals

→ Keeping the bad debt rate at 0% while maintaining over 10% APY

Core Weapons:

• Collaborating with Kaito AI to allocate 0.5% token incentives to data contributors

• Real-time monitoring of corporate on-chain flow + social reputation + supply chain relationships

• Dynamically adjusting credit limits (up to million-dollar level)

Improved Risk Control Efficiency = Profit Margin Plunder

Will AI ultimately replace bank loan officers?⚙️