The miracle of a 0.3% bad debt rate, #HumaFinance sets a new financial benchmark with $HUMA

The financial world often says "Don't expect safety with inclusive finance," but @Huma Finance 🟣 insists on contradicting this: HumaFinance lends in 12 countries, mostly serving users without bank accounts, yet manages to keep the bad debt rate at 0.3%—lower than many banks in developed countries. This isn't luck; it's the solid "risk control network" built using blockchain technology.

Traditional finance struggles with inclusivity due to "difficult risk control": not knowing the true income of users and fearing they won't be able to repay loans. #HumaFinance breaks this deadlock with technology: it puts users' income flows and transaction records on the blockchain and integrates local telecom bills and utility payment data—whether a small vendor in the Philippines can borrow money and how much, the system knows better than they do by looking at their purchase records and collection frequency over the past three months. Even smarter is the "dynamic repayment" option: if a user has lower income this month, they can apply to pay interest first; if they earn more next month, they can repay the principal early, naturally reducing bad debts.

HUMA allows this "risk control network" to become denser. Half of the fees from each loan are used to buy back and destroy HUMA tokens; the safer the platform, the more users are willing to come, making $HUMA more valuable. Token holders can also participate in risk control optimization: last month, the community voted to add "rainy season agricultural loan extension clauses," which has now eased the repayment pressure for farmers in Southeast Asia during the rainy season, further reducing bad debts by 0.1%. The global population of 1.7 billion "unbanked individuals" are all potential users of #HumaFinance —these individuals are not "high risk"; they simply haven't been understood by traditional finance.

Now, #HumaFinance has helped over 500,000 people borrow money, with a repayment rate exceeding 99%. This proves that inclusivity and safety can coexist; @Huma Finance 🟣 has set a new benchmark with HumaFinance: finance should not discriminate against users, and good tokens should not rely solely on speculation—the value of $HUMA is hidden in that 0.3% bad debt rate.