$Huma — a bridge between the real economy and DeFi
💡 What is Huma?
It is a DeFi protocol that allows you to obtain loans without traditional collateral. Instead of freezing crypto in a smart contract, Huma uses data about your income as the basis for credit scoring.
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🔑 How does it work?
✅ Uses $XRP real off-chain data (income, contracts, accounts)
✅ Integration with Web2 services: Circle, Request, and others
✅ Ideal for freelancers, self-employed, and small businesses
✅ Lending is available even to those without crypto collateral
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🚀 Why is this important?
📉 Most DeFi protocols still require collateral of 150%+
💼 Huma makes lending possible similar to the banking model — but in a Web3 format
🌍 This is a step towards real mass adoption of crypto in real life
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🧩 Current cases:
— Circle uses Huma to finance suppliers
— Request Finance — for expedited financing of freelancers
— And the protocol itself is actively developing and expanding partnerships
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🎯 Huma is not just a token. It is the infrastructure for the future of Web3 finance.
