The 'financial seeds' that have taken root in 12 countries, #HumaFinance allows $HUMA to bear the fruit of inclusive finance

From the villages of Kenya to the slums of the Philippines, the @Huma Finance 🟣 sown 12 'financial seeds' have sprouted: #HumaFinance has become a 'tool that locals can use' in every country—Kenyans use it to receive remittances, Filipinos use it to borrow money for goods, and Indonesians use it to advance their salaries, with no one feeling 'out of place'.

It understands 'local conditions': in African villages with poor network coverage, it developed a 'SMS operation' function, allowing transfers without needing internet; in Southeast Asia, where exchange rates fluctuate widely, it supports 'local currency direct borrowing and repayment', avoiding the hassle of converting to dollars; in agriculture-based countries, it launched a 'repayment based on harvest' model, with less repayment in dry seasons and more in rainy seasons. These details have made #HumaFinance not an 'outsider', but rather a 'friend of the locals': in Vietnam, users have given it the nickname 'money helper', saying 'it understands us better than banks'.

HUMA grows alongside these 'seeds'. As the number of users in each country increases, transaction fees rise, and the volume of HUMA repurchased and destroyed also increases—more remittances in Kenya lead to a little more HUMA being destroyed; more loans in the Philippines lead to a bit more HUMA being destroyed. Holders of the currency see '12 countries' turn into '20 countries', knowing that HUMA's foundation is becoming stronger. The 1.7 billion 'unbanked population' globally serves as the 'soil for the growth' of these 'seeds'—for every additional person served, HUMA's value increases by one.

Currently, the bad debt rate of #HumaFinance is only 0.3%, and in the best-performing places among the 12 countries, it is even less than 0.1%. This proves that 'grounded' finance has vitality. @Huma Finance 🟣 uses HumaFinance to tell the world: inclusive finance is not about 'giving money', but about providing 'tools that can earn money by themselves', and $HUMA is the 'core component' of this tool.