In the financial system, who can obtain loans often depends on what collateral you have. But this is unfair to many people. A freelancer may not have a house or a car, yet has a stable income; a small business may not have crypto assets, but has long-term orders. HumaFinance aims to change this limitation.
The idea it proposes is: future income can also become credit. Through on-chain contracts and models, HumaFinance quantifies these future cash flows and transforms them into a verifiable credit asset. This way, those without traditional collateral can also obtain financial support based on future potential.
This is not only a help to individuals but also an expansion of the entire financial ecosystem. It broadens the coverage of decentralized finance and includes groups that have been overlooked in the past. With the rise of the RWA trend, this model also has more practical significance as it directly connects on-chain activities with the real economy.
If finance only belongs to the rich, then the meaning of decentralization will be greatly diminished. HumaFinance's exploration is a process of recognition and support for more people.
