Traditional DeFi lending over-collateralization (Overcollateral) is like pawn shop thinking—borrowing $100 requires pledging $150 worth of assets; only the wealthy deserve to play! Huma's Underfuture model turns my future income into liquid capital, allowing me to borrow $100 by only pledging $110 of future salary. I used this feature yesterday to pay my dentist bill in advance, treating my teeth while repaying with my salary, healing both tooth pain and wallet pain simultaneously! Although small-cap projects inevitably experience severe fluctuations, the record of $4.5 billion in transaction volume with zero defaults is reassuring. I suggest beginners start with small invoice collateral to test the waters; don't be like me and pledge three months' salary on the first day like a coward. Have any brothers been tortured by over-collateralization? @Huma Finance 🟣 #HumaFinancе $HUMA