The DeFi world in 2025 has undergone tremendous changes. The era of over-collateralization lending is over, and a more inclusive and smarter lending system is rising.

In this revolution, Huma stands out as a pioneer in reshaping the landscape of Decentralized Finance lending. Traditional on-chain lending models often restrict participation from ordinary users, requiring large asset collateral, effectively turning into a 'rich man's club.' However, Huma raises a sharp and powerful question: If Web3 does not even recognize credit, how can true inclusive finance be achieved?

Huma's innovation lies in integrating a credit system into blockchain. It no longer requires users to deposit a large amount of ETH or possess a high-level exchange account, but instead determines their creditworthiness by assessing their on-chain behavior. This approach opens the door to Decentralized Finance for users with fewer assets but good behavior.

Huma's core competitiveness lies in its unique 'on-chain credit scoring system'. This system collects user activity data across various blockchains, including the protocols participated in, asset activity levels, and whether there are any negative records. This data is compiled to form the user's 'on-chain credit profile', which determines the user's borrowing limit.

It is worth noting that Huma's credit score is dynamic. Users' good performance will improve their credit score, thereby increasing their borrowing limit. This mechanism not only incentivizes users to maintain a good on-chain reputation but also makes 'credit monetization' a reality.

Huma's goal is clear: to allow ordinary users to enjoy the convenience of DeFi lending. It is breaking the situation where only 'whales' can swim freely in traditional DeFi, opening the door to financial services for a broader user base.

With the emergence of projects like Huma, DeFi is evolving towards a more inclusive and equitable direction. This is not only a technological advancement but also an innovation in financial concepts. In this new era, everyone has the opportunity to participate in the world of Decentralized Finance, no longer constrained by the limitations of traditional financial systems.