The traditional lending model relies on historical credit scores and over-collateralization, which undoubtedly excludes many individuals with stable future incomes but lacking initial capital. The emergence of $HUMA is changing this situation.
The core innovation of Huma Finance is allowing users to use their future income streams as collateral to obtain loans. This means that if you have a stable job or ongoing income, you do not need to liquidate existing assets (such as cryptocurrencies) to gain liquidity in advance for investment, consumption, or emergencies.
