With the continuous development of Decentralized Finance (DeFi), we are witnessing a new paradigm shift. Traditional DeFi models mainly rely on highly volatile Crypto Assets as collateral, which, while innovative, also introduces systemic risks. In this context, HUMA has proposed an intriguing alternative, paving a new path based on stable, sustainable income as the foundation of credit.

This innovative model known as "sustainable credit" is more closely aligned with the operation of the real economy. It not only reduces systemic risk but also has the potential to build a more robust and reliable financial ecosystem. Unlike traditional collateralization of crypto assets, this credit assessment method based on stable income streams offers users a more predictable and sustainable lending environment.

Looking ahead, this sustainable credit model is expected to become a key cornerstone in the blockchain finance sector. Its application scope may expand to various aspects such as on-chain loans, insurance products, and even payroll distribution. This not only provides users with more diversified financial services but also attracts more traditional financial users into the Decentralized Finance ecosystem.

HUMA's innovative initiative marks that DeFi is developing towards a more mature and inclusive direction. By seamlessly integrating real-world economic activities with blockchain technology, it paves the way for building a fairer and more efficient financial future. This income-based credit model not only promotes the adoption of DeFi but also has the potential to reshape the operation of the entire financial industry.

As this concept continues to develop and improve, we can expect to see more innovative financial products and services emerge, which will further promote the application and integration of blockchain technology in the real economy. The attempts of HUMA undoubtedly point to a new and promising direction for the future development of Decentralized Finance.