The DeFi sector is undergoing a credit revolution. Traditional crypto asset collateral models are facing challenges, while the Huma ecosystem is leading this transformation.

Huma's innovation lies in bringing real-world assets into the blockchain world. Users can obtain on-chain credit without holding Bitcoin or other Crypto Assets. Vouchers generated from daily economic activities such as payrolls and cross-border invoices can be directly converted into credit limits on the Huma platform, allowing them to obtain USDC loans. This model not only lowers the threshold for ordinary users to participate in Decentralized Finance but also provides new financing channels for businesses such as cross-border e-commerce.

Huma's token economic model is also quite distinctive. 50% of the platform's revenue is used to buy back and destroy tokens, a mechanism that closely binds the platform's operating results with the interests of token holders. As trading volume increases, the value of the tokens is expected to rise accordingly.

Currently, the daily trading volume of the Huma ecosystem has reached $489 million, and there have been no cases of default. This achievement has attracted the attention of institutional investors, including Galaxy Digital. Huma's success seems to indicate that Decentralized Finance is developing in a more inclusive direction, closer to the real economy.

However, we also need to be vigilant about the risks that new models may bring. The pricing and risk assessment of real assets on-chain still face challenges, and the uncertainties in regulation cannot be ignored. Nevertheless, Huma's innovations undoubtedly open up new possibilities for the future development of Decentralized Finance, which deserves continued attention from the industry.