Solving the 'slowness' of < finance with blockchain, Huma Finance> The 'slowness' of conventional finance goes beyond simple inconvenience and becomes an 'opportunity cost'. Huma (@humafinance) proposes a solution to this structural inefficiency with blockchain. 1. Raising the issue of a slow and complex financial system The first case is overseas remittance. The existing remittance system relies on interbank deposits, which leads to 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 a few days before the actual seller receives the money. This is because it goes through several stages such as card companies, networks, and acquirers. Huma simplifies this complex settlement structure and creates a structure that allows sellers to receive payments in real time. 2. Can the deposited funds be returned to real returns? The money deposited in conventional finance is almost unprofitable. On the other hand, banks use these funds to make a profit. Deposit margin is a typical example. The same is true for crypto. It is said that depositing will generate profits, but the interest is mostly based on the inflation of the governance token. Huma is different here. Huma's payment network runs on the basis of funds entrusted to it by liquidity providers (LPs), and all on-chain fees generated go 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% every time they use @humafinance stablecoin liquidity. It is competitive because it is a lower fee than the existing one. This can be expected to be a feasible return of 10~20% per year. The interest structure itself is differentiated in that it is not 'token inflation' but 'real-based return'. 3. Connecting with DeFi — Focusing on PST Huma is also collaborating with DeFi partners. Of particular note is the PayFi Strategy Token (PST), an LP token that generates profits. You can borrow USDC from @KaminoFinance as collateral for PST, and structure it as PT/YT on a @RateX_Dex like a pendle. Huma is a team that is trying to break the slow structure of finance and build a real-time payment infrastructure with blockchain. It creates a real-based system that generates profits every day, and distributes those profits to liquidity providers and token holders. This is Solana's PayFi and @humafinance is running as the leader. Could this practical model lead the next era of crypto? At least we may be participating in the prelude now.