A credit white user actually managed to get an unsecured loan through Huma! It's based on future salary flow + HUMA token staking, with an interest rate half that of credit cards. This operation can be described as a combination of Web3 Huabei + Jiebei 🤖.

Huma's TVM model (Time Value of Money) can analyze your cash flow potential and directly provide a credit limit. I borrowed 1000 USDC to buy a new phone, repaying it in three installments, with smart contracts automatically deducting payments, so I no longer have to worry about forgetting to repay and affecting my credit score!

The advantage is that it disrupts traditional risk control, but the downside is that the limit depends on income stability (freelancers should be cautious). However, having a zero default record is reassuring~ I plan to use it to advance my year-end bonus to buy a plane ticket, seeking compliments!

Have you tried on-chain credit lending? Come to the comments section to compete for limits! @Huma Finance 🟣#HumaFinancе $HUMA