The traditional DeFi over-collateralization model is killing credit value! The solution of @Huma Finance 🟣 makes on-chain economy truly flow.
🔹 Income as collateral
Future cash flows such as wages/accounts receivable/subscription fees are automatically tokenized and converted into instant credit limits through Huma's RWA bridging protocol. Say goodbye to the 150% collateral ratio shackles; business owners can borrow based on 'operational potential' for the first time!
🔹 Risk-resistant dual engine
✅ Credit pool isolation structure: A single pool default does not affect the global (compared to the collapse risk of traditional compound pools)
✅ Dynamic scoring model: On-chain + off-chain behavioral data updates interest rates and limits in real-time, rejecting rigid rules
🔥 Creator incentive delivery
Participate now#HumaFinance Ecosystem:
✨ In-depth analysis of protocol mechanisms or use cases (e.g., 'How can Shopify merchants solve cash flow issues with Huma?')
✨ Enjoy a 20% share of the global prize pool for compliant posts, and the TOP 300 creators compete for 70% of the prize pool!
Action guide:
Try the Huma testnet to convert your Gitcoin donation records into credit points—next time you finance, your on-chain reputation is your invisible asset🏆