Huma Finance is reshaping the credit ecosystem of decentralized finance with an innovative model. Unlike the traditional DeFi lending model that overly relies on collateral, it focuses on 'unsecured credit lending', constructing credit assessment models through on-chain data, allowing users to obtain reasonable loan amounts based solely on their on-chain behavioral history, which undoubtedly opens the door to DeFi services for more users.
Its core advantage lies in utilizing smart contracts to automate risk control processes, generating credit scores by combining multidimensional on-chain data (such as transaction history, asset holdings, protocol interactions, etc.), ensuring both efficiency and reducing default risk. At the same time, Huma Finance supports multi-chain deployment, covering mainstream networks such as Ethereum and Polygon, further expanding the service range.
For users, this model allows them to obtain liquidity without locking up assets, making it particularly suitable for short-term capital turnover or seizing investment opportunities; for the ecosystem, it enriches the credit scenarios in DeFi and promotes the industry towards a more inclusive direction. With the continuous improvement of the credit system, Huma Finance is expected to become a key force in the field of decentralized credit.