Huma Finance has emerged in the DeFi space with its innovative unsecured lending model. It breaks the traditional constraints of over-collateralization, allowing users to obtain credit lines based on on-chain verifiable income streams (such as crypto earnings and NFT rentals) without the need for collateral.
This model lowers the barrier to entry for DeFi, enabling those without adequate collateral but with stable income to participate, while also enhancing capital flexibility, suitable for short-term turnover, investment scaling, and other scenarios. Although it faces challenges in credit assessment and risk control, it continues to optimize through on-chain data analysis and other means. For users constrained by collateral requirements, Huma is a new option worth exploring.#HumaFinance
