Huma Finance has created the first on-chain credit protocol based on real-world assets by combining traditional accounts receivable with blockchain technology. The platform innovatively uses an on-chain credit scoring system, establishing a decentralized credit system by analyzing users' transaction history, repayment ability, and digital asset holdings, providing users with more flexible financing options.
The core of the protocol includes three major innovative modules: a dynamic risk assessment model that adjusts borrowing rates in real-time, an asset tokenization engine that converts accounts receivable into collateralizable assets, and a cross-chain gateway that supports seamless flow of multi-chain assets. This architecture allows Huma to serve both enterprise users and individual users simultaneously, meeting different types of financing needs.
With the explosive growth of the RWA sector, Huma's business model demonstrates unique advantages. The platform has currently integrated accounts receivable resources from multiple traditional enterprises, introducing billions of dollars worth of quality assets into the DeFi market. By automatically executing loan terms through smart contracts, Huma significantly reduces default risk while improving capital efficiency.
$HUA token serves as the core of the ecosystem, granting holders three major rights: governance voting, fee discounts, and profit sharing. The token economic model is carefully designed to ensure its value is highly linked to the growth of the protocol's business. In the wave of accelerated integration between traditional finance and DeFi, Huma is becoming an important bridge connecting the two worlds.