In the DeFi field, traditional digital asset mortgage models have always had limitations, especially for ordinary users, where the financing threshold is relatively high. The HUMA project proposes an innovative solution that uses "income" as the basis for credit, bringing new possibilities to on-chain finance.

This method utilizes stable income data such as wages and bills, converting it into liquid credit assets through smart contracts. This not only lowers the financing threshold for users but also enhances the inclusiveness and stability of the entire credit system. This is undoubtedly a significant benefit for freelancers and small businesses.

The innovation of HUMA lies in the fact that it does not rely on the volatile prices of cryptocurrencies, but rather on the stable income streams of users. This approach brings DeFi services closer to the real economy and provides more people with the opportunity to access financial services.

With the promotion of this new credit model, the value of HUMA tokens may see significant growth. This income-based credit system represents the trend of DeFi moving towards a more inclusive and practical direction, and is expected to play an important role in future financial innovations.

Overall, the HUMA project demonstrates the tremendous potential of blockchain technology in reforming traditional financial models, providing new ideas for building a more open and equitable financial ecosystem.