Most DeFi lending requires you to lock up more money than you want to borrow, which defeats the entire purpose of getting a loan. @Huma Finance 🟣 created the first protocol that actually works like real lending by evaluating your on-chain income history and creditworthiness. Freelancers earning crypto payments can get loans based on their consistent income streams without putting up massive collateral. Small businesses can access working capital using their on-chain revenue as proof of ability to repay. The protocol even offers flexible repayment schedules that adapt to seasonal cash flows or irregular income patterns. This bridges the gap between traditional finance and DeFi by combining the best aspects of both - the efficiency of blockchain with the practical lending models people actually need. Real-world adoption happens when crypto finance works better than traditional alternatives, not just differently. #HumaFinance