In the financial world, traditional lending often only recognizes immediate collateral. The reality is that many people do not have collateralizable assets but possess a consistent and stable income capability. HumaFinance's innovation lies in making this 'future income' a part of credit.
For example, a freelancer may not have much savings on hand, but has stable projects and orders every month. In the traditional financial system, it is difficult for him to obtain a loan. However, at HumaFinance, these predictable future income streams are quantified, verified, and converted into assets that can support lending through on-chain contracts. This means more people can enter the financial cycle and obtain the funding they need.
More importantly, HumaFinance's model is naturally closely tied to the RWA trend. It brings real cash flow onto the chain, creating a more direct connection between blockchain and the real economy. This not only increases the practicality of on-chain finance but also expands the imaginative space of the entire market.
For decentralized finance, this is a warm attempt. It transforms finance from a cold game of collateral into one that focuses more on human potential and the future. HumaFinance's exploration is laying the foundation for a more equitable and inclusive financial world.
