@humafinance: Opening a New Paradigm of DeFi Lending with On-Chain Credit System
Huma Finance deeply integrates traditional credit with DeFi through an innovative accounts receivable tokenization model. The protocol allows users to obtain financing based on their on-chain credit history and future cash flows, addressing the pain points of over-collateralization in traditional lending. Its core advantage lies in the credit assessment system built on on-chain data such as wallet history and repayment records, providing lower interest rate loan services to high-quality users.
The modular architecture design enables Huma to adapt to a multi-chain ecosystem, and the recently launched cross-chain functionality further expands user coverage. As the RWA sector heats up, this model that combines real-world assets with on-chain credit shows great potential. The protocol effectively controls risks while expanding the range of financial services through a risk grading mechanism and dynamic interest rate model.
The $HUA token plays multiple roles in the ecosystem, including governance, staking, and fee settlement, with its value forming a positive cycle with the protocol's business volume. As the scale of credit expands and the number of partners increases, the token economic model will continue to optimize.