In today's world, the inequality of financial services remains a severe challenge, especially in developing countries, where many groups are marginalized by the TradFi system. To address this issue, HUMA has proposed an innovative "income-backed credit mechanism" aimed at reshaping the accessibility of financial services.

The uniqueness of this mechanism lies in integrating data such as daily income streams and accounts receivable into a credit assessment system on the blockchain. This approach not only breaks the limitation of Financial Service being restricted to asset-rich classes but also opens up new financial opportunities for those without fixed assets but with stable income.

The application prospects of HUMA have great potential globally, especially in emerging markets such as Southeast Asia, Latin America, and Africa. Although residents in these regions may lack traditional digital assets, they often have a consistent cash flow. HUMA has built a bridge to the Web3 world for these users, providing them with the opportunity to participate in the modern financial system.

Although the market price of the HUMA token currently fluctuates around $0.035, its true value is far beyond that. The significance of the HUMA project is not only reflected in the token price, but more importantly, in its potential to promote a fairer and more inclusive global financial system. As the project develops and application scenarios expand, HUMA is expected to become an important force in promoting financial inclusion, bringing fair financial opportunities to more people.

In today's rapidly developing fintech landscape, innovative projects like HUMA are redefining the concept and assessment of credit. By leveraging blockchain technology and new data analysis methods, HUMA offers a promising direction for addressing global financial inclusion issues. In the future, as this model matures and gains traction, we have reason to expect the formation of a more open and equitable global financial ecosystem.