Finance for 'Ordinary People': #HumaFinance makes borrowing no longer dependent on 'collateral'

Traditional finance always asks, 'What assets do you have to pledge?', but for freelancers and temporary workers in the 'new economy', their value lies in 'how much they can earn in the future', not 'how much they have now'. @Huma Finance 🟣 goes against the grain—its PayFi is a lending system that 'doesn't depend on collateral', specifically designed to provide a 'ladder' for these ordinary people overlooked by traditional finance.

In @Huma Finance 🟣 's view, 'credit' shouldn't be a cold, hard asset list, but rather a living income stream: a freelancer's project contract is credit; a cross-border worker's paycheck is credit; even a DAO contributor's future grants are credit. It uses smart contracts to clarify the patterns of these incomes and then directly provides credit limits— for example, if you can earn 10,000 next month, you can borrow 7,000-9,000 now without needing a guarantor or pledging a house or car. $HUMA 's token design also reflects 'inclusive finance', allowing ordinary people to earn rewards by staking and have a voice in governance, without creating a 'big player monopoly'.

Take freelancer Xiao Wang, for instance. In the past, he had to pay upfront for equipment when taking on a project and could only tough it out when the client didn't pay; now, by uploading the project contract on #HumaFinance , he can borrow the upfront payment on the same day, allowing the project to start smoothly, earning much more than the interest. This is what @Huma Finance 🟣 aims to achieve: making finance 'human-centered' rather than 'asset-centered'.

Now, its supported scenarios are increasing, covering everything from salaries to remittances, from invoices to grants, basically encompassing the main income sources of ordinary people. #HumaFinance often claims to be 'finance for humanity', and this is no exaggeration—it truly makes borrowing simple: as long as you have reliable future income, you can gain confidence here, and $HUMA is the 'witness' to this confidence.