In the real world, many people do not lack credit, but rather lack 'qualifying' collateral. Traditional finance only recognizes assets while ignoring the value that people continuously create. HumaFinance's mission is to make future income a new form of credit.
It quantifies and verifies future cash flows through on-chain contracts and modeling. This way, a freelancer can obtain lending support even without property or a large number of tokens, as long as they have a stable order income. Small businesses can also enter the financial cycle through predictable cash flows, no longer being rejected by traditional systems.
This model is significant. It makes decentralized finance not just a game of digital assets but also serves a broader group of people. Future income becomes a new asset class on-chain, providing a new way for RWA to land.
HumaFinance represents a fairer financial logic: your future potential is as important as your current wealth. It is expanding the boundaries of DeFi, giving more people the opportunity to be recognized and supported.