💡 From Speculation to Practicality: How Huma Finance Returns DeFi to Its Value Origins?
In the early days of DeFi, high APY attracted users, but as the bubble burst, people began to question: What real problems does this solve? @Huma Finance 🟣 provided the most powerful answer — #HumaFinance enables on-chain finance to truly serve real income earners. Whether it's salaried employees receiving monthly paychecks or freelancers getting paid per project, everyone can convert future cash flow into instant liquidity through Huma.
The underlying logic is 'cash flow financialization': instead of using ETH as collateral to borrow USDC, you use your Shopify sales or Upwork income as credit basis. The system verifies income stability through on-chain analysis, combined with the TVM model to offer unsecured loans. This model not only lowers financing thresholds but also significantly enhances capital efficiency. #HumaFinance
The value of the HUMA token is anchored to the real returns generated by the protocol. Every loan interest, every service fee, feeds back into the ecosystem, forming a sustainable economic flywheel. This stands in stark contrast to projects that rely on token inflation, giving HUMA stronger resilience against downturns and long-term holding value.
@Huma Finance 🟣 is building an open PayFi protocol layer, where any developer can create income-related financial applications. From automated loan repayment wallets to dynamic credit insurance, the space for innovation is limitless. #HumaFinance
When DeFi returns to its original intent of 'decentralized finance,' Huma may become the true bridge connecting on-chain and off-chain.
