In the field of Decentralized Finance, the traditional LTV (Loan-to-Value) model is undergoing a transformation. Under the traditional model, users can only borrow up to $750 by collateralizing $1,000 worth of assets, and this static model ignores time and behavioral factors, which are precisely at the core of income value.

HUMA has proposed an innovative 'liquid' LTV logic that disrupts the traditional 'static' model. This new model no longer simply freezes assets, but continuously grants credit based on users' periodic income streams. It resembles a 'dynamic credit pool' rather than a traditional 'asset freezing warehouse', providing users with a more flexible financial management approach that aligns with real-life needs.

The potential impact of this new LTV model should not be underestimated. If it becomes the new industry standard, it will fundamentally change the way the entire on-chain lending system operates, shifting from 'static LTV' to 'dynamic flow LTV'. This means we will usher in a brand new financial architecture that could redefine the lending rules and user experience in the DeFi space.

With the promotion of this model, we may see more flexible and personalized financial products emerge. It could bring more accurate risk assessment, more efficient capital utilization, and financial services that are closer to the actual needs of users. This innovation may not only enhance the popularity of Decentralized Finance but also attract more traditional finance users into the cryptocurrency space.

However, this new model also faces challenges. How to provide sufficient flexibility while ensuring system security, how to accurately assess the risks of dynamic income streams, and how to achieve a balance in regulation are all key issues that need to be addressed.

Overall, the dynamic flow LTV model proposed by HUMA represents an important innovation in the DeFi lending space and is expected to have a profound impact on the entire industry. It is not just a technological advancement, but also a challenge and reconstruction of traditional financial thinking. We are standing at a new starting point in the development of DeFi, witnessing a revolution that could fundamentally change the nature of financial lending.