🧐 Binance Launchpool Phase 70 Project - Huma Finance (HUMA) | Programming for Real World "Credit" to Build a Web3 Payment Finance Network (PayFi)—— Huma Finance @ humafinance is one of the few projects on Binance that has successfully completed both Alpha and Launchpool simultaneously; My research and interest in him mainly come from several excellent articles by @ thecryptoskanda and @ DrPayFi, and I didn't expect to be directly connected to Binance so quickly; In my previous tweet, I also talked about the ultimate of @ KaitoAI, and it's true that Huma had been researching silently before and hadn't written about it or received any airdrops, So in the future, we still need to write more to help ourselves understand, help others understand, and earn some points. Why not do it! First, let me explain why I need to write: It's because I think many people haven't realized that Huma Finance may be a watershed moment for the entire RWA track. This project is not here to 'tell a narrative', it's here to rewrite the paradigm of 'credit'. Look Down ⬇️ one ️⃣ What is Huma Finance (HUMA)? I will explain to you in the most straightforward terms—— In the past, DeFi solved the problem of money; What Huma wants to solve is' how to use future money '. Huma is a lending protocol network based on Revenue&Receivables, with the goal of creating a PayFi network that serves global liquidity needs. Its core philosophy is: 💳 Income backed lending: unsecured, but based on stable future cash flow, providing a credit line. 📈 Receivables Factoring: Releasing the liquidity of a company's accounts receivable assets through tokenization of payroll data, sales data, invoices, and other forms. 🤝 Support real-world payment scenarios such as supply chain finance, cross-border settlement, salary advances, NGO funding distribution, etc. The logic behind it is simple: It's not about what assets you have, but how much income you will have in the future, how much money you owe others, and how much "accounts receivable" you have, all of which can become part of credit and assets that can be transferred. It sounds like the Web3 version of Stripe Capital+Klarna+NGO distribution tool - but it goes deeper than you might think. two ️⃣ The financial demand in the real world is not the compound interest of whales, but the circulation of small and micro enterprises: You think the endpoint of DeFi is institutions, but in fact, the larger market is: NGOs that receive monthly salaries; Individual workers who want to advance their income; Cross border merchants who are pressured by the supply chain; Entrepreneurial teams that cannot be mortgaged. They don't need leverage, they need cash flow. The core of Huma is not a "lending platform", but a PayFi network that enables future cash flows to be monetized. By understanding this, we can comprehend the core role of HUMA; two ️⃣ Why did Binance launch HUMA? Why Binance? Because it understands that liquidity needs to be ignited through narrative, but trust must be established through practical examples. Huma is not just about storytelling, it has: Ecological nesting of Circle and Request; Real distribution scenarios in collaboration with the United Nations Development Programme; Multi chain deployment+enterprise API docking capability; A credit characterization scheme from institutions to individuals. To put it bluntly, it is very in line with Binance's strategic focus on "RWA (Real World Assets)+DeFi" The current RWA is one of the few narratives that still maintains growth and financing vitality, and Huma is one of the few agreements that focuses on "cash flow assets" rather than "real estate, bonds" RWA. It is deeply tied to stablecoins, making it more composable and universal. Conclusion—— The future of DeFi is not about TVL growing tenfold, but about an additional 1 billion people in the real world being able to use it to make money. HUMA is not just RWA, it is the starting point of 'income finance'! You can call it "unsecured lending V3" or the beginning of "cash flow asset chain". But I would rather say—— Huma is the first protocol that truly attempts to package, chain, split, and transact credit, and may even be the central engine of on chain identity economy. It's not the next Aave, it's the next credit market. At present, the price is fluctuating after the launch of Binance. I think we can choose a good time to enter, especially when Huma Finance cooperates with KaitoAI, allocates 0.5% of tokens to community contributors, and launches Binance. Currently, both the popularity and breadth have increased; What's missing is just an opportunity! Binance humafinance KaitoAI