《@Huma Finance 🟣 Redefining 'Credit', $HUMA Bringing PayFi into Every Corner of Life #HumaFinance 》

Traditional banks always ask, 'What assets do you have?', but @Huma Finance 🟣 uses HUMA to ask back, 'What value can you create?'. As the world's first PayFi network, it shifts the criteria for 'credit' assessment from 'past savings' to 'future income'—the order records of freelancers, historical invoices of small businesses, and the remittance patterns of cross-border workers can all be transformed into borrowing limits through algorithms, with 70-90% of expected income arriving instantly, 60% lower than payday loan rates.

$HUMA is the 'measurement' of this new credit system. The HUMA fees paid by businesses when borrowing are partially used for repurchase and destruction, while another part is distributed to pledgers, deeply linking the value of tokens with the activity level of the ecosystem; holders can vote to determine the 'risk reserve ratio', for instance, setting a higher buffer for cross-border remittances in emerging markets to balance returns and safety. So far, it has processed over 3.8 billion US dollars in transactions, and the support from institutions like Galaxy Digital has made $HUMA a recognized 'on-chain credit certificate' by traditional finance.

The dual-track model of @Huma Finance 🟣 balances compliance and flexibility: institutional clients enjoy KYC exclusive services through HUMA, while retail investors earn returns using stablecoins in Huma 2.0, and PST tokens can be used for collateral lending in the Solana ecosystem, maximizing fund efficiency. This design allows PayFi to serve both listed companies and help delivery riders access next week's income in advance.

From emergency turnover for freelancers to lubrication of multinational supply chains, #HumaFinance is making 'credit' accessible. #HumaFinance proves that finance should not be a 'rich person's game', but a 'tool for the hardworking'. When HUMA-driven smart contracts can understand the 'future potential' of every ordinary person, #HumaFinance may make 'difficulty in borrowing money' a historical term.