The DeFi sector is undergoing a revolutionary transformation. The HUMA protocol is redefining our understanding of blockchain finance, seamlessly connecting real-world assets with blockchain technology and opening the door to the DeFi world for traditional finance users.

Traditional DeFi platforms often require users to provide a large amount of cryptocurrency as collateral, and this 'over-collateralization' model limits the participation of many potential users. The innovation of HUMA lies in its ability to allow users to directly use real-world assets such as paychecks or cross-border invoices as collateral to obtain USDC loans. This model not only lowers the entry barrier but also greatly improves the efficiency of capital utilization.

The application scenarios of HUMA are very wide-ranging. For example, small and medium-sized enterprises in Africa can use the HUMA platform to convert accounts receivable into instantly available USDC for paying Chinese suppliers. This process is not only more efficient than the traditional SWIFT system but can also save up to 80% in fees.

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

HUMA token, as the governance token of the platform, grants holders the power to participate in platform decisions, while also potentially benefiting from the growth of the platform. As more TradFi institutions begin to pay attention to and possibly collaborate with HUMA, the value potential of the token may further increase.

The emergence of HUMA marks the gradual blurring of the boundaries between DeFi and TradFi. It provides users without cryptocurrency experience a new way to participate in DeFi, while also injecting new vitality into the DeFi ecosystem. This innovative model is not just a disruption of existing rules, but also brings a whole new direction for the development of the DeFi world.