Introduction
• Huma Finance is a decentralized protocol built to bring real-world assets (RWA) and credit markets on-chain.
• By enabling undercollateralized lending, invoice factoring, and on-chain credit scoring, it bridges traditional finance with Web3 liquidity.
• Positioned as an RWA credit layer, Huma provides the infrastructure for enterprises, fintechs, and DeFi protocols to launch credit products securely and transparently.
Overview
• Unlocks real-world income streams like payroll advances, business loans, and trade finance.
• Uses blockchain-based smart contracts to automate repayment, settlement, and collateral management.
• Provides both institutional and DeFi players access to credit markets previously restricted to banks.
Reimagining credit in Web3
• Huma Finance turns everyday cash flow - like invoices, salaries, and receivables - into liquid, tradable assets.
• Instead of viewing debt as a burden, it reframes it as an opportunity: a way to unlock value trapped in off-chain finance.
• This makes credit not just accessible but borderless, programmable, and user-driven.
Institutional-grade infrastructure
• Provides compliant, modular credit products that enterprises and fintechs can deploy.
• Integrates on-chain credit scoring to reduce risk while enabling undercollateralized lending.
• Uses verifiable, transparent smart contracts to manage capital, repayments, and yield distribution.
Solving the RWA adoption gap
• One of DeFi’s biggest challenges has been connecting trillions in off-chain assets to on-chain liquidity.
• Huma addresses this by providing the credit rails that securely link real-world borrowers with crypto lenders.
• It’s particularly relevant for emerging markets where traditional credit infrastructure is weak or inaccessible.
Core offerings
• Income-Backed Financing – cash advances, invoice factoring, and payroll credit.
• On-Chain Credit Scoring – transparent borrower reputation systems to reduce defaults.
• Programmable Credit Products – customizable lending models for fintechs and DAOs.
Technical edge
• Modular protocol architecture allows integration across chains and financial ecosystems.
• Real-time data oracles feed into smart contracts for accurate risk assessment.
• Multi-layer risk management framework ensures capital protection and scalability.
Market growth
• The RWA market in DeFi is projected to surpass $16 trillion by 2030, with credit protocols leading the wave.
• Demand for on-chain financing in emerging markets and SMEs continues to rise as traditional banking lags.
• HUMA positions itself as a foundational layer for the rapidly expanding on-chain credit economy.
Security
• Enforces borrower and lender protection through smart contract transparency.
• Integrates risk assessment models and collateral frameworks to mitigate defaults.
• Actively audited and designed with safeguards against both technical and credit-related vulnerabilities.
Ecosystem growth
• Partnerships with fintechs, enterprises, and DAOs to launch credit products.
• Expanding integrations with DeFi protocols, stablecoin issuers, and RWA platforms.
• Building a robust developer ecosystem around programmable, customizable credit rails.
Why it matters
• Credit is the lifeblood of finance - and Huma makes it decentralized, transparent, and global.
• By connecting RWAs to DeFi liquidity, it unlocks new yield opportunities for investors and affordable financing for borrowers.
• Huma Finance is building the foundation for a new era of decentralized credit markets.
Conclusion
• HUMA is not just about lending - it’s about reshaping credit infrastructure for the decentralized economy.
• For borrowers, it creates access to fast, fair financing.
• For lenders and protocols, it opens the door to a multi-trillion-dollar RWA credit market secured by blockchain.