$HUMA protocol is leading a financial revolution, with its core being the transformation of personal income into credit credentials on the Blockchain. This groundbreaking concept overcomes the limitations of the traditional financial system, which mainly relies on historical asset assessments for credit.

Through $HUMA, future income streams have become assets that can be quantified and programmed on-chain. This means that actual cash flows such as salary income and accounts receivable can be directly converted into valuable digital assets, thereby enhancing overall capital efficiency while providing users with more flexible credit options.

The significance of this innovative mechanism far exceeds that of ordinary lending projects. It essentially lowers the barrier for ordinary people to participate in decentralized finance (DeFi), allowing a broader group to establish and utilize their own on-chain credit. This not only expands the reach of DeFi but also provides more financial opportunities for ordinary users.

The concept of $HUMA represents a new direction for the integration of financial technology and blockchain technology. It demonstrates how technological innovation can be leveraged to redefine and quantify personal credit, potentially bringing significant advancements in financial inclusivity. As this model develops, we may see more income-based financial products and services emerging, further driving the evolution and popularity of the DeFi ecosystem.