<Solving the 'Slowness' of Finance with Blockchain, Huma Finance> The 'slowness' of traditional finance goes beyond mere inconvenience and becomes an 'opportunity cost.' Huma (@humafinance) presents blockchain as a solution to this structural inefficiency. 1. Raising Issues with Slow and Complex Financial Systems The first case is international remittance. The existing remittance system relies on pre-deposits between banks, resulting in slow processing times and high fees. Transfers often stop altogether on weekends or at night. Huma has addressed this point. By bypassing SWIFT and utilizing stablecoins and on-chain liquidity, they are implementing 24/7 real-time remittances. The second is card payments. We think the payment is complete when we swipe the card, but it actually takes days for the seller to receive the money. This is because it goes through several stages, including card companies, networks, and acquirers. Huma simplifies this complex settlement structure and creates a system where sellers can receive settlements in real-time. 2. Can Deposited Funds Return as Real Profits? In traditional finance, deposited money yields almost no profit. Meanwhile, banks use these funds to generate profits, with interest rate spreads being a prime example. The same is true in crypto. Although they claim that depositing generates profits, 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 generated are returned to LPs as interest (APR). They are expanding from Solana to other L1s. Specifically, global payment companies pay a fee of 0.06-0.1% each time they use @humafinance's stablecoin liquidity. This is more competitive due to lower fees than existing ones. This allows for an expected achievable return of 10-20% per year. The interest structure is differentiated by being 'real asset-based profit' rather than 'token inflation.' 3. Connection with DeFi — Centered on PST Huma is also collaborating with DeFi partners. Notably, there is the income-generating LP token, PST (PayFi Strategy Token). When you deposit stablecoins, you receive the yield-bearing token PST, and you can receive APR. You can borrow USDC from @KaminoFinance using PST as collateral and structure it into PT/YT at @RateX_Dex like Pendle. Huma is a team trying to break the structure of slow finance and build a real-time payment infrastructure with blockchain. They create a real asset-based system that generates daily profits and distributes those 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 might be together at the dawn of it right now.