In traditional finance, having no collateral is almost equivalent to having no opportunity. The reality is that many people, despite lacking collateralizable assets, have a stable source of income. HumaFinance focuses on this group, attempting to turn 'future income' into a new basis for credit.
This means that freelancers and small to medium enterprises, even without property or large amounts of cryptocurrency, can obtain lending support based on predictable future cash flows. This mechanism allows more people to be included in the financial system, no longer being shut out due to a lack of 'hard collateral'.
The idea behind HumaFinance is actually quite simple: the core of credit is trust, and the foundation of trust can be future creativity. Through on-chain smart contracts and risk modeling, it quantifies, verifies, and financializes these future cash flows. This not only addresses the funding needs of individuals and businesses but also brings a new asset class to the entire market.
More importantly, this model is inherently closely tied to real-world assets. It is not merely an ethereal concept on the blockchain but has truly landed in the real economy, creating a stronger connection between blockchain and the physical world. With the rise of the RWA narrative, HumaFinance's approach appears particularly forward-looking.
When finance can serve more creators and workers, rather than just focusing on who holds the wealth, the significance of the market can truly amplify. HumaFinance is driving this transformation, steering decentralized finance towards a warmer, more inclusive direction.