Huma Finance is utilizing innovative technology to transform "future income" into a powerful basis for lending. The company employs a three-pronged technological approach to establish a reliable credit assessment system:

First, Huma uploads income proofs such as payrolls and invoices to the blockchain, utilizing its immutable characteristics to ensure the authenticity and credibility of the certificates.

Secondly, the company uses big data analysis to gain insights into users' historical income patterns, accurately assess their repayment ability, and create a detailed "financial profile" for future income.

Thirdly, Huma uses smart contracts as an automated management tool, with the entire process from loan issuance to repayment being operated autonomously by the system, minimizing human intervention and enhancing the transparency and efficiency of the entire process.

The combination of these three technologies provides strong security guarantees for "future income," transforming intangible expected earnings into a reliable financing basis. For example, for freelancers with unstable income sources, Huma is able to accurately assess their income stability by analyzing their past project payment records, thereby making informed loan decisions.

Huma Finance has currently lent a total of 1 billion dollars, and this impressive scale fully demonstrates the market's recognition and trust in its technological solutions. By combining advanced technology with financial services, Huma is reshaping traditional lending models to provide more people with flexible and reliable financing options.