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- 🚀 ETH jumped to $4,600 this morning, up 8.69% in 24h!
Just shy of the $4,891 ATH—think it breaks through?
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4. Submissions must be original and comply with community guidelines. Plagiarism or re - 🎉 The #CandyDrop Futures Challenge# is live — join now to share a 6 BTC prize pool!
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Dare to trade. Dare to win.
In the field of fintech, an innovative project called HUMA is quietly changing traditional lending models, providing more financial opportunities for the general public. The core idea of this project is to view daily income as the basis for credit, allowing those who find it difficult to obtain traditional bank loans to also enjoy financial services.
The emergence of the HUMA platform has brought new hope to groups such as small vendors in India. These individuals often had to rely on usury to sustain their business in the past, but now they can obtain loans using their own operating income as collateral, significantly reducing financing costs.
Traditional banks often have overly strict loan review processes, requiring collateral such as real estate or vehicles, and also examining personal credit records. However, HUMA adopts a more flexible approach, considering daily work income as the most reliable proof of credit. Whether it's remittance income from Filipino workers or harvests from Kenyan farmers, they can all serve as strong evidence for obtaining loans.
The project has also issued its own token, the value of which increases with the number of users. The characteristic of this token is that all holders, regardless of the amount held, can receive dividends and have the right to vote on project development decisions. This mechanism effectively decentralizes financial power from a small elite to the general public.
Remarkably, although HUMA has operations in 12 countries, its loan default rate is only 0.3%, even lower than many traditional banks. This data strongly demonstrates that inclusive finance not only has social value but can also create considerable economic benefits.
The HUMA project demonstrates how blockchain technology is reshaping the rules of the financial industry, allowing more ordinary people to fairly enjoy Financial Service. This innovation is not just simple charity, but rather provides equal opportunities for everyone through technological means. This may represent a truly revolutionary change in the financial sector.