In the current climate where the ecosystem of stablecoins and real-world assets (RWA) is continuously heating up, Huma Finance is pioneering a new direction — a cash flow-backed credit protocol, providing a true bridge between on-chain finance and the real economy. Compared to traditional collateral, the cash flow model adopted by Huma can more dynamically reflect the credit status of borrowers, thus achieving a balance between risk control and efficiency.

The Huma protocol supports using future on-chain income, wages, DAO incentives, and other predictable cash flows as collateral to provide short-term or revolving credit. This mechanism is particularly suitable for Web3 native workers, the creator economy, micro-enterprises, and other groups, allowing them to obtain on-chain financing support even in the absence of traditional assets.

It is worth mentioning that Huma is not only aimed at individuals; its collaboration extends to payment service providers such as Payoneer and Request Finance, supporting on-chain financing for B2B and cross-border payments. At the same time, Huma recently announced an integration partnership with Circle to support the introduction of USDC liquidity and plans to expand to more compliant stablecoin assets.

In the future RWA market, stable on-chain cash flows may hold more capital value than 'cold assets.' Huma's innovative mechanism not only broadens the credit boundaries of DeFi but also injects a stronger real-world connectivity into on-chain finance, potentially becoming an important part of the digitalization of financial markets. #HumaFinance @Huma Finance 🟣 $HUMA