Disrupting DeFi lending! How does income stream tokenization unlock trillions of dollars in on-chain credit?
The traditional DeFi over-collateralization model excludes 1 billion users, while
the 'income stream equals credit' protocol provides a revolutionary answer:
✅ Real-time income verification - dynamically generating credit scores through on-chain wages/rent/revenue streams
✅ Flash loan credit pool - businesses can obtain 0-collateral revolving loans based on future income
✅ Risk isolation architecture - pioneering 'base pool + yield pool' dual-level hedging against default risk
Currently, Huma has aggregated data from over 500 payment platforms including Coinbase/Binance, providing credit services for SMEs with an APR as low as 8%, far below Aave's 18%! Its TVL has surpassed $50 million against the trend in the bear market, proving the real market demand.
