Huma Finance is addressing the most critical over-collateralization problem in the DeFi space by building an on-chain credit infrastructure based on real-world assets. The protocol innovatively adopts a dynamic credit scoring model that analyzes users' on-chain behaviors, repayment history, and asset status to provide differentiated loan interest rates for users of different credit levels, achieving more efficient capital utilization.
The protocol adopts a modular architecture, consisting of three core components: a smart risk assessment system that monitors borrower credit changes in real-time, an RWA asset tokenization module that converts accounts receivable into on-chain assets for financing, and a cross-chain interoperability layer that supports seamless flow of multi-chain assets. This design enables Huma to serve both small and medium enterprise financing and personal credit needs simultaneously.
With the rapid development of the RWA track, Huma's innovative model shows great potential. The platform has established partnerships with multiple traditional enterprises, bringing millions of dollars in accounts receivable on-chain, providing high-quality assets to the DeFi market while also offering new financing channels to traditional businesses. By automatically executing lending terms through smart contracts, Huma significantly reduces credit risk while enhancing transparency.
$HUA token serves as the value carrier of the ecosystem, providing holders with three rights: governance voting, fee discounts, and profit sharing. The token economic model is meticulously designed to ensure its value keeps pace with the growth of the protocol's business. In the context of the accelerated integration of traditional finance and DeFi, Huma is becoming an important bridge connecting the two worlds, and its innovative solutions have begun to gain wide market recognition.
