In the traditional financial system, small and medium-sized enterprises (SMEs) often face a frustrating dilemma: despite having high-quality accounts receivable (i.e., future payments from customers), they struggle to obtain the much-needed working capital due to lengthy approval processes, high thresholds, or the inability of core enterprise credit to be effectively transmitted. The tight cash flow severely restricts their growth potential.
This is precisely the pain point that @Huma Finance 🟣 is committed to solving. #HumaFinance is not just a DeFi protocol; it is a blockchain-based real-time accounts receivable financing infrastructure. Its innovation lies in:
1. Focusing on real-world assets (RWA): Centered around one of the most common assets of enterprises—accounts receivable.
2. Real-time data-driven: By integrating on-chain and off-chain data sources (with authorization), Huma can dynamically assess the quality of accounts receivable and the risk of borrowing enterprises, achieving near real-time credit decisions.
3. Automation and efficiency: Utilizing smart contracts to automate the financing process, from application and risk assessment to loan disbursement, surpassing traditional institutions in speed and reducing waiting times from days or even weeks to hours.
4. Unlocking liquidity: Providing SMEs with faster, more flexible financing channels based on their future cash flow, significantly improving their working capital situation.
5. Expanding credit boundaries: Through innovative risk models, Huma has the potential to provide financing services for more high-quality SMEs that are difficult to cover by traditional financial systems.
#Humafinance 's core value is: it is building a bridge connecting the efficiency, transparency, and composability of DeFi with the most urgent financing needs of SMEs. This not only introduces an asset class (RWA) with practical value and stable cash flow into DeFi but more importantly, injects much-needed vitality into the real economy.