$SOL 【Exploring New Possibilities in DeFi: Discussing the Innovative Potential of Huma Finance】

Recently, I have been paying attention to the new developments in the decentralized finance field and found Huma Finance's "Uncollateralized Lending" model very interesting. Traditional DeFi lending often requires over-collateralization, which is not very user-friendly for many who want to flexibly manage their funds. Huma, through an income-based credit assessment mechanism, allows eligible users to obtain liquidity more conveniently. This attempt seems to address a pain point in the industry.

I am particularly optimistic about its exploration of the integration of on-chain identity and credit systems—after all, in the blockchain world, "trustworthy" has always been an important topic. Huma aims to automatically verify income sources through smart contracts, maintaining the decentralized nature while lowering the borrowing threshold, potentially opening the doors of DeFi for more small and medium-sized users.