Huma Finance: Redefining Lending Rules
Core Positioning of the Platform
Huma Finance (@Huma Finance 🟣 ) is an innovative lending protocol based on blockchain, focusing on a 'Cash Flow Credit Assessment' model. Unlike traditional financial institutions, it provides more immediate and inclusive lending services by analyzing users' on-chain income data, breaking the limitations of traditional credit scoring.
Operational Model Features
The platform utilizes smart contracts to automate the review process, allowing borrowers to quickly obtain credit limits by simply connecting their digital wallets and authorizing income proof. All lending terms are transparently recorded on the blockchain, ensuring the process is tamper-proof while protecting users' privacy data.
Risk Control Mechanism
Huma Finance dynamically adjusts interest rates and limits through algorithms that reflect market risk changes in real-time. Lenders can mitigate risks through diversified investments, and the built-in early warning mechanism will automatically activate asset preservation procedures when repayment anomalies occur.
