Solving the 'slowness' of < finance with blockchain, Huma Finance> The 'slowness' of existing finance goes beyond simple inconvenience and becomes an 'opportunity cost'. Huma (@humafinance) proposes a solution to this structural inefficiency called blockchain. 1. Challenge the slow and complex financial system The first example is overseas remittance. Existing remittance systems rely on advance deposits between banks, resulting in slow processing times and high fees. On weekends or at night, remittances often stop altogether. Huma dug into this point. It bypasses SWIFT and uses stablecoins and on-chain liquidity to implement real-time remittances 24 hours a day, seven days a week. The second is card payment. We think that the payment is done when we swipe the card, but it takes several days for the actual merchant to receive the money. This is because it goes through several stages such as card companies, networks, and buyers. Huma simplifies this complex settlement structure and creates a structure that allows sellers to receive settlements in real time. 2. Can the deposited funds be returned to real profits? The money deposited in conventional finance has almost no profit. On the other hand, banks use these funds to make a profit. The margin of the loan is typical. The same is true in crypto. It is said that depositing generates profits, but most of the interest is based on the inflation of governance tokens. Huma is different here. Huma's payment network operates based on funds entrusted by liquidity providers (LPs), and all on-chain fees incurred go back to LPs as interest (APR). Starting with Solana, it is expanding to other L1s. Specifically, global payment companies pay a fee of 0.06~0.1% for each use of @humafinance stablecoin liquidity. It is competitive because it is a lower fee than before. This can be expected to achieve a feasible return of 10~20% per year. The interest structure itself is differentiated in that it is a 'real-based return' rather than a 'token inflation'. 3. Connection with DeFi — Focusing on PST Huma is also collaborating with DeFi partners. Of particular note is the PST (PayFi Strategy Token), an LP token that generates profits. When you deposit a stablecoin, you will receive PST, a yield-bearing token, and you can receive APR. You can borrow USDC from @KaminoFinance as PST collateral, and structure it into PT/YT in @RateX_Dex like Pendle. Huma is a team that wants to break the structure of slow finance and build a real-time payment infrastructure with blockchain. It creates a real-world system that generates daily profits and distributes the profits to liquidity providers and token holders. This is Solana's PayFi and @humafinance is leading the way. Can such a practical model lead the next era of crypto? At least we may be together in the beginning of the event now.