The barrier of finance is not in complex algorithms, but in who can define 'credit'.
Banks define credit, and thus the poor are excluded.
DeFi defines credit, and thus those without assets are excluded.
Now, @Huma Finance 🟣 is driving a more fundamental revolution:
👉 Returning the definition of 'credit' to the most universal form of wealth—income.
In the PayFi network:
Salaries, invoices, remittances are the collateral,
Future cash flows are the keys to lending.
📣 This is the re-democratization of on-chain credit.
