In the Web3 era, the credit scoring system of Financial Institutions can no longer meet the needs of users. A person may have rich experience in the Blockchain field, such as receiving multiple Airdrop rewards or playing an important role in NFT projects, but in the eyes of traditional banks, these achievements may be worthless.

This is the innovation of the Huma project. It is dedicated to visualizing users' efforts and achievements on the Blockchain, thereby establishing a fairer and more comprehensive credit assessment system. Huma does not inquire about traditional credit indicators such as pay stubs or property mortgages but focuses on users' actual performance in the Blockchain world.

Huma's evaluation criteria include the projects users have participated in, the income earned, and the performance of obligations, among others. This approach represents a brand-new credit modeling logic: credit is no longer defined unilaterally by Financial Institutions, but is naturally generated through users' on-chain behavior.

This innovative credit assessment method not only reflects the true value of Web3 users more accurately but also provides more opportunities for those groups that have been overlooked in the traditional financial system. With the continuous development of blockchain technology, projects like Huma may reshape our understanding of credit and bring new possibilities for financial inclusion.