In the field of Crypto Assets, the liquidity of many projects often resembles a flash in the pan, making it difficult to sustain. However, Huma shows a different trend, with its total active liquidity stabilizing at $136 million and on the rise. This stability is not achieved by attracting investors with high returns, but by retaining users through addressing real needs.

Huma's success lies in its unique operational model. For liquidity providers (LPs), Huma offers stable cash flow returns, rather than the traditional fixed high-interest plus token rewards model. This income comes from continuous borrowing demand, including office workers, small business owners, and cross-border users. LPs receive returns in stablecoins such as USDC, avoiding the risks of token price fluctuations. Currently, Huma's classic model has an annualized return rate of 10.5%, which, while not the highest in the market, is made more attractive by its stability and additional Huma Feathers rewards.

For borrowers, Huma provides fast, convenient, and low-cost lending services. Users only need to upload proof of income and can get approved within minutes, with quick fund disbursement and low fees. More importantly, Huma adopts a credit accumulation mechanism, where a good repayment record can help users obtain higher lending limits in the future. This 'the more you use, the more convenient it becomes' experience greatly enhances user stickiness.

Huma's success story demonstrates that in the Crypto Assets ecosystem, a long-term sustainable business model can be established by addressing real needs and providing stable services. This model not only attracts stable Liquidity providers but also earns the long-term trust of borrowing users, creating a virtuous cycle ecosystem.