HUMA Finance is disrupting traditional financial models by creating the world's first decentralized network that combines payment and financing. This innovative platform focuses on providing on-chain credit support for the real economy, achieving unsecured or low-collateral lending based on future cash flows through smart contract technology.

Unlike traditional crypto lending, HUMA allows users to use future cash flows such as wages, invoices, and subscription income as credit credentials. By analyzing the borrower's historical and expected cash flows in real-time, HUMA can dynamically assess risks and provide users with instant liquidity of up to 70-90% of future income. This innovative model not only lowers the borrowing threshold but also significantly enhances the efficiency of capital utilization.

Currently, HUMA has processed over $4 billion in on-chain transactions, initially meeting part of the demand in the global trade finance market. Its unique business model has attracted investments from well-known institutions such as ParaFi Capital and Fenbushi Capital.

The vision of HUMA is to combine the credit system of traditional finance with Decentralization Finance (DeFi) through blockchain technology, building a more inclusive and efficient new generation of financial infrastructure. This innovative model is expected to provide more flexible and convenient financing channels for individuals, small and medium-sized enterprises, and freelancers, promoting the inclusiveness of financial services.

As HUMA continues to expand its service scope and technical capabilities, we have reason to believe that it will play an increasingly important role in promoting global financial innovation and inclusive finance development. However, like all innovative financial services, HUMA also faces multiple challenges such as regulation, technology, and market acceptance, and its future development deserves ongoing attention.