In the continuously evolving Web3 ecosystem, we often ponder what truly belongs to individuals as digital assets. Is it Crypto Assets? NFTs? Or certain unique Allowlist privileges? With the emergence of HumaFinance, this question has a new answer: your most valuable asset may be your "future earning potential".

HumaFinance is undertaking an innovative attempt. They are not launching a new Layer 2 solution or reshaping existing lending protocols, but are pioneering the conversion of "future income" into on-chain assets, thereby building a credit system. In short, users can now pledge expected future income such as salaries, platform revenue, and live streaming rewards to obtain stablecoins in advance. This model can be seen as a decentralized version of a combination of consumer credit and personal credit scoring systems.

The importance of this innovation lies in its provision of a key economic leverage for the Web3 ecosystem. In recent years, the Web3 field has been exploring identity systems, Soul-Bound Tokens (SBT), and on-chain social networks, but has consistently lacked an effective economic driver. HumaFinance's solution creates the first quantifiable 'income credit asset', which means:

1. Users can obtain loans without traditional collateral.
2. Long-term on-chain behavior can be converted into an endorsement of income-generating ability.
3. Wallet addresses are not just tools for transactions, but have also become credit accounts.

Most importantly, this information is controlled by users themselves and is not held by any centralized organization.

This model opens up new possibilities for Web3 users, making individual future income potential a quantifiable and usable digital asset. It not only changes our understanding of digital assets but also brings new development directions to the decentralized finance (DeFi) sector, promising to drive more inclusive and flexible financial services.