@Huma Finance 🟣 In traditional encrypted lending, the "collateral threshold" has always been an important factor limiting user participation—many people find it difficult to obtain the liquidity they urgently need due to a lack of sufficient digital asset collateral. Huma Finance's unsecured lending model builds a credit model by deeply exploring user on-chain behavior data (such as transaction frequency, historical repayment records, asset diversity, etc.), making credit a form of "invisible collateral," which directly addresses the industry's pain points.

More importantly, Huma's meticulous approach to risk control is noteworthy: dynamically adjusting credit limits and updating assessment models based on real-time on-chain data ensures both the security of the protocol and a more flexible user experience. This credit-based financial service not only enhances the efficiency of cryptocurrency use but also drives the transformation of crypto finance from "collateral-driven" to "credit-driven," injecting new vitality into the industry. #HumaFinance