The DeFi lending sector is迎来创新拐点, @Huma Finance 🟣 breaking the traditional over-collateralization model through the mechanism of 'future cash flow assetization'. Users do not need to pledge crypto assets but can obtain credit limits based on on-chain income records (such as salary, subscription fees, etc.), truly achieving 'borrowing against income'.
Huma's three main advantages:
1️⃣ Building a credit system based on real on-chain behavior
2️⃣ Flexible lending of stablecoins/ERC20 assets
3️⃣ Automatic repayment execution through smart contracts
This model not only provides liquidity solutions for Web3 freelancers and DAO contributors but also introduces a credit assessment dimension from traditional finance into DeFi. With the explosion of the RWA sector, Huma may become a key infrastructure connecting the real world and the crypto economy.
What are your thoughts on the development of credit lending in DeFi? Feel free to discuss in the comments section 👇