Traditional DeFi lending relies on over-collateralization, resulting in low capital efficiency and excluding uncollateralized users. **@Huma Finance 🟣 is breaking this deadlock! 🚀

Through an innovative **on-chain credit model**, Huma allows users to obtain credit limits based on real on-chain behavior (such as stable payment history and protocol activity), achieving **0-collateral lending**! This not only frees up billions of idle assets but also truly makes DeFi lending 'universal'.

Its core advantages:

✅ Real-time risk engine: dynamically adjusts credit limits, balancing safety and efficiency;

✅ Multi-chain support: seamless experience on mainstream chains like Base and Optimism;

✅ Credit tokenization: future credit scores can be reused across protocols, building a personal on-chain financial identity.

#HumaFinancee #HumanFinance is bringing the credit system from the real world on-chain—no KYC required, purely driven by code. This is not only a leap in technology but also an essential path for DeFi towards mass adoption!

👉 Are you ready to embrace the new paradigm of 'credit as an asset'?