In the field of Crypto Assets, DeFi lending products have long primarily served affluent groups. These products typically require users to have substantial collateral, good Liquidity, and a deep understanding of risks. However, the emergence of Huma is changing this landscape.

Huma's innovation lies in transforming real-world income streams into credit certificates on the blockchain. This groundbreaking concept enables traditional credit lending to be realized on blockchain. Unlike traditional Decentralized Finance lending, which requires collateral assets, Huma allows users to obtain credit limits based on future income streams.

This model provides new possibilities for multiple groups. For example, internet celebrities can use their endorsement income to apply for loans; project teams can use the future stable income of the agreement as collateral; even ordinary users can apply for credit limits based on their on-chain activity history, participation in airdrops, and address activity levels. This marks the first time that Decentralized Finance has considered 'income streams' as an important dimension on a large scale.

The value of Huma is mainly reflected in three aspects: first, it has the most comprehensive on-chain credit model in the industry, which not only considers income streams but also integrates multi-dimensional indicators such as user address profiles, interaction history, and protocol ratings. Secondly, Huma has been recognized by large institutions such as Circle and Visa, and is used as a core component for real-world assets (RWA) and credit loans, demonstrating its potential to connect Web3 with traditional finance. Finally, Huma is deployed across multiple blockchain networks and currently supports Polygon and Arbitrum, showing its ability to expand rapidly.

The emergence of Huma not only brings new vitality to the Decentralized Finance ecosystem but also provides a broader user base with opportunities to participate, which is expected to drive the development of crypto finance towards a more inclusive and diversified direction.