Traditional DeFi lending is still focused on collateral ratios, while Huma is turning the tables and engaging in 'credit lending' — this is simply the subprime revolution of blockchain! Although the early risks are high (potential for widespread defaults), once a global income database is established, HUMA will become the pricing anchor for on-chain finance.

My token holding logic: In the future, everyone will have on-chain income, and HUMA's TVM model will become the core engine for the explosion of RWA (real-world assets).

Disadvantages: Regulatory risks loom like the sword of Damocles, so it's advisable to diversify investments rather than going all in.

Interaction: Do you think credit lending will replace the over-collateralization model? @Huma Finance 🟣 #HumaFinancе $HUMA