Borrowing money based on 'future salary'? #HumaFinance makes credit no longer dependent on 'household registration'

In the industrial area of New Delhi, India, machinist Amir wants to borrow $300 to buy a new machine tool. He was rejected by three banks because he has no property to mortgage and does not even have a bank account. Now he opens the app @Huma Finance 🟣 , uploads his employment contract with the factory, and gets the loan in half an hour — #HumaFinance relies not on 'household registration', but on his salary that he will receive next month.

Traditional finance has set 'dead rules' for credit: no savings, no mortgage, and you are not considered 'creditworthy'. As a result, 1.7 billion people worldwide have been locked out, but #HumaFinance wants to change this rule: it treats 'future income' as 'living collateral'. Whether you are a construction worker, a nanny, or a small vendor, as long as you can prove 'you can earn money in the future', you can get a loan. In Vietnam, vendors rely on 'next week's fruit orders' to get the money for their purchases; in Kenya, teachers use 'next month's pay stub' to advance money for their family's medical treatment — these individuals previously couldn’t even enter a bank, but now they can get 'emergency money' through their phones.

HUMA is the core of this 'new credit system'. Half of the transaction fees are used to repurchase and destroy HUMA; the more money users borrow and repay on time, the more valuable HUMA becomes. Holders can also vote to set rules: for example, reducing interest rates for users who repay on time more than three times, or extending loan terms for 'agricultural workers'. The global market for 'future income' is worth $30 trillion, giving HUMA almost unlimited growth potential — after all, as long as someone borrows money based on 'future earnings', $HUMA has a story to tell.

Currently, HumaFinance's bad debt rate is only 0.3%, lower than many traditional lending institutions. This proves that 'looking at future income' is more reliable than 'looking at collateral'. @Huma Finance 🟣 tells the world with #HumaFinance : credit should not be divided into 'high' and 'low', and $HUMA should not only be counted as 'tokens' — it is a 'credit pass' for ordinary people.