HUMA token is at the core of its decentralized credit protocol, aimed at achieving true on-chain inclusive finance:
Unsecured Loans: A credit scoring model based on on-chain income streams (such as salaries, DAO rewards, and stablecoin earnings) allows users to obtain loans without collateral.
Instant Financing: Eligible borrowers can quickly receive stablecoin loans to address short-term cash flow needs.
Risk Management Pool: Token holders can stake HUMA to participate in the risk pool, providing coverage for the protocol and earning a share of the loan interest.
Protocol Governance: HUMA holders participate in governance voting on key parameters (such as risk models and fees).
In short, #humafinance is committed to leveraging on-chain data to break traditional financial barriers, allowing unsecured lending to operate safely and efficiently in DeFi.