Recently, a decentralized finance (DeFi) project called Huma Finance has attracted attention in the crypto world. This platform offers an innovative lending method, unlike traditional DeFi platforms that require a large amount of asset collateral or can only provide lower lending limits.

What sets Huma Finance apart is its uncollateralized credit lending model. The platform utilizes users' on-chain data, including past transaction records and asset holding history, to assess users' credit scores. This approach allows even users who hold potential tokens that have not yet appreciated to have access to working capital.

Users only need to bind a few commonly used Crypto Assets wallets, and the system can automatically calculate a lending limit based on historical data. Although this limit may not be particularly high, it is sufficient for short-term emergency needs, and most importantly, it does not require freezing the user's held Crypto Assets.

Huma Finance supports multiple mainstream blockchain networks, including Ethereum and Polygon. Compared to some established lending platforms, Huma Finance's lending rates are relatively low. This flexible lending model provides a new funding turnover option for investors who are reluctant to easily use their principal.

For those who want to understand their credit status in the decentralized finance world, Huma Finance offers an interesting exploration opportunity. Users can register for free and check their credit score and potential borrowing limit.

With the continuous development of Decentralized Finance, credit lending platforms like Huma Finance, which are based on user on-chain behavior data, may become an important trend in the future, providing more flexible financial management options for Crypto Assets holders.