The difficulty of financing for small and micro enterprises has always been a pain point in the global financial system. Banks require a large amount of documentation and collateral, but many startups and individual entrepreneurs do not possess these. Huma provides a new solution.
By connecting to e-commerce platforms, freelance platforms, or payment systems, the real transaction data of small and micro enterprises can be directly converted into income certificates. Once these certificates are recorded on the blockchain, they can be used as collateral to obtain financial support.
For businesses, this is a type of financing based on business performance, rather than credit checks based on traditional assets. The better a business performs, the more stable its future income will be, and the more favorable the financing conditions will be.
This not only alleviates the financing problem but also enables capital to flow more efficiently into promising small and medium-sized enterprises, promoting the development of the real economy. Huma's model essentially transforms credit into visible cash flow, thereby reshaping the logic of financing.