The DeFi sector has long faced a troublesome issue: over-collateralization. In traditional models, if a user wants to borrow 10,000 USDC, they typically need to collateralize Bitcoin worth 20,000, and face the risk of liquidation due to price fluctuations. However, HUMA is disrupting this established model.

The innovation of HUMA lies in the seamless integration of real-world assets (RWA) with blockchain technology. Users can obtain loans without touching cryptocurrency, only needing their pay stubs or cross-border remittance documents. This groundbreaking initiative significantly broadens the application scenarios of Decentralized Finance.

For example, a small business in Africa needs to make a payment to a supplier in China. With HUMA's system, it only takes uploading the invoice to the blockchain to quickly obtain a USDC loan to complete the payment. Once the payment is received, the system will automatically complete the repayment. The entire process does not involve fiat currency, and the fees are 80% lower than those of the traditional SWIFT system.

Currently, the HUMA platform has processed a total of $4.4 billion in transactions and maintains a zero-default record. This outstanding performance has attracted the attention of well-known institutional investors, including Galaxy Digital.

The HUMA token plays an important role in the ecosystem, allowing holders to participate in governance voting and influence the formulation of platform rules, while also enjoying burn dividends. With payment giants like Visa potentially collaborating, the development potential of the HUMA token may far exceed current market expectations.

HUMA's innovative model not only breaks the traditional boundaries of DeFi but also opens up new possibilities for the integration of real-world assets and blockchain. This attempt to bridge traditional finance with decentralized finance may have a profound impact on the entire industry.