Huma Finance has innovatively tokenized accounts receivable, building a new on-chain credit infrastructure. The protocol allows users to obtain financing based on future cash flows, breaking through the limitations of traditional DeFi's over-collateralization. At its core is a credit assessment system based on on-chain behavior, which analyzes wallet history, transaction patterns, repayment records, and other data to offer low-collateral loan rates to quality users.
The protocol adopts a modular architecture design, containing three core components: a risk assessment engine that dynamically adjusts credit limits, an asset tokenization module that converts accounts receivable into financeable assets, and a cross-chain settlement layer that supports multi-chain asset interactions. This design enables Huma to serve both institutional and retail users simultaneously.
With the rapid development of the RWA track, Huma's innovative model shows great potential. By combining real-world assets with DeFi, the protocol provides a new financing channel for small and medium-sized enterprises while offering DeFi investors a richer selection of assets. Currently, the protocol has processed over ten million dollars in credit business, maintaining the lowest default rate in the industry.
The token economic model is designed with precision: $HUA holders enjoy three rights: governance, protocol revenue sharing, and staking rewards. As the scale of credit expands and the number of partners increases, the token's value capture ability will continue to enhance. Against the backdrop of the accelerated integration of traditional finance and DeFi, Huma's solutions are gaining market recognition.
