On a dusty street in Manila, 32-year-old street vendor Rosanna is arranging baskets of fruit when she pulls out her phone. Instead of scrolling through social media, she opens an app connected to the HumaFinance Project. For her, this isn’t just another fintech tool—it’s the reason she was able to keep her stall open when her husband fell ill last year.
Rosanna’s story is one of many that the HumaFinance Project collects as part of its mission to design finance around real human lives. When her family income nearly collapsed, a traditional bank would have closed its doors to her—no collateral, no stable salary, no history of “worthiness” by their standards. But HumaFinance saw something else: her resilience, her long-term earnings, and the strength of her community network. Within days, she had access to a recovery loan paired with healthcare support, enough to keep her family afloat.
A Different Way of Thinking
The beauty of HumaFinance lies not in grand theories but in the ordinary lives it touches. In Nairobi, motorcycle taxi drivers use Huma-backed micro-insurance, paying pennies per ride to secure income protection in case of accidents. In rural Mexico, women’s cooperatives manage pooled savings accounts through the platform, funding everything from school supplies to local bakeries.
These aren’t abstract experiments—they’re working lifelines.
Finance That Speaks Human
Perhaps what sets HumaFinance apart is its language. Instead of algorithms that reduce people to numbers, the project builds financial tools that “speak human.” Creditworthiness isn’t just about digits on a ledger; it’s about trust, history, and future potential.
A facilitator in São Paulo explains it this way: “We ask people, What do you dream of building? Not just, What do you owe? That simple shift changes everything.”
Hopes and Hesitations
Not everyone is convinced. Large banks remain cautious, and policymakers worry about scaling such people-centered models in global markets. But for the communities on the ground, the proof is already there: fewer bankruptcies, stronger households, and a sense of dignity restored.
Back in Manila, Rosanna looks at her stall—modest, but thriving again. “I used to think money was something I always chased and never caught,” she says. “Now I feel like it’s walking with me, not against me.”
That sentiment captures the spirit of the HumaFinance Project. It isn’t just about numbers or returns. It’s about rewriting the relationship between people and finance making money not a burden, but a companion on the road to a better life.@Huma Finance 🟣 #HumaFinance $HUMA
