Recently, a prominent project in the DeFi field, Huma Finance, is reshaping the lending landscape. Traditional DeFi lending has long been constrained by the "over-collateralization" mechanism. Although it is highly secure, it is inefficient, resulting in a large number of small users being unable to participate, and the capital utilization rate of mainstream protocols has consistently been below 40%.
Huma Finance has breakthrough proposed an innovative lending model based on on-chain behavior and credit. Users do not need high collateral; they can obtain credit limits solely based on on-chain
View OriginalHuma Finance has breakthrough proposed an innovative lending model based on on-chain behavior and credit. Users do not need high collateral; they can obtain credit limits solely based on on-chain