🟣 $HUMA Credit Model Breakdown 🟣
HUMAUSDT
Perp
0.027891
-3.37%
💡 Huma Finance’s TVM vs. Old-School FICO
📉 FICO = Backward-looking ❌
Judges you on past performance only
Fails for freelancers, gig workers, SMEs, or anyone with thin credit files
📈 $HUMA
A’s TVM (Time Value of Money) = Forward-looking ✅
Uses algorithms to value future, verifiable cash flows (📑 invoices, 💰 salary deposits)
Real-time, dynamic creditworthiness check
Perfect fit for the modern economy 🌍
⚖️ Verdict: TVM isn’t just an upgrade — it’s a credit revolution 🚀