In the entire RWA track, Huma stands out with its income stream-centric approach. Compared to traditional real estate or fiat-collateralized assets, income has higher liquidity and real-time characteristics, naturally adapting to on-chain operations. Through income contractization, smart settlement, and distribution mechanisms, Huma has created a lightweight, scalable on-chain credit infrastructure.

The lending models supported by the platform are very flexible, allowing users to set income sharing ratios, repayment cycles, and limits, ensuring that the financing experience closely aligns with real income rhythms. At the same time, Huma also allows protocol-level developers to build industry-specific credit platforms based on its SDK, such as financing for creator platforms, Web3 education loans, and DAO employee salary loans, greatly expanding the application boundaries.

Huma's data layer is also quite comprehensive, with users' income history, repayment records, default risks, etc., forming on-chain profiles for lenders' reference. This transparent mechanism enhances credit efficiency and reduces the costs of income verification and compliance in traditional finance, truly reflecting the practical value of blockchain technology in personal finance.

As a pioneer in income financialization, Huma is driving a paradigm shift in credit assets. Against the backdrop of the future explosion of decentralized employment and freelancing, Huma's business model has high replicability and spillover effects, making it one of the projects with significant growth potential in the RWA track. #HumaFinance @Huma Finance 🟣 $HUMA