In traditional finance, credit lending is mainstream, while in the Web3 world, this module has always been blank. Huma Finance is filling this gap, not by lending against assets, but by collateralizing your 'future income potential'—this is a true upgrade to on-chain lending logic.

Huma uses off-chain data sources, such as ride-hailing platform records, e-commerce transaction flows, freelance contracts, etc., and transforms them into 'pledgeable income certificates' through cryptographic verification. Users can use these certificates as credit collateral to obtain loans from decentralized funding pools.

In addition to personal lending, Huma is also collaborating with multiple institutions to conduct B2B scenario testing. For example, brands prepaying supplier invoices, DAOs providing salary liquidity to members, and Web2 platforms offering income pledge financing to creators. All data is protected by zk solutions for privacy without affecting verification, which gives Huma strong competitiveness in terms of compliance.

Currently, Huma has received support from platforms such as Circle, Ramp, and Request. As the ecosystem of off-chain data sources expands, its credit lending model will continue to optimize, and the credit system of Web3 will take root and flourish. #HumaFinance @Huma Finance 🟣 $HUMA