Human umbilical cord-derived mesenchymal stem cells (huc-mscs) are multipotent cells with therapeutic potential in regenerative medicine, autoimmune diseases, and neurological disorders due to their high proliferation and immunomodulatory properties. They are primarily sourced from Wharton's jelly, with advantages including non-invasive collection and low immunogenicity, though concerns regarding standardization, tumorigenicity, and long-term effects remain. Future research directions focus on gene editing, personalized medicine, large-scale production, and extensive clinical trials to assess huc-msc therapies.