It's been a while since I chatted with @humafinance, and the big news just made me think of Huma right away.
If there's anyone on Earth who has had the deepest impact on cryptocurrency, I think besides Bitcoin's creator Satoshi Nakamoto, it would be Trump.
🇺🇸 U.S. President Trump will allow 401(k) pension plans to allocate to crypto assets and other alternative investments.
🏦 The 401(k) is one of the largest retirement systems in the U.S., currently holding over $9 trillion in assets.
If the allocation ratio expands by 5%, it would be equivalent to injecting funds equal to the market cap of a complete Ethereum, just think about how terrifying that is!
Speaking of this pension, to handle assets of this level, three fundamental requirements must be met: low volatility returns, long-term predictability, and liquidity.
🟪 These three requirements remind me of a project, @humafinance.
Last month, Huma just launched its 2.0 system, which currently features:
Layered funding pools, tiered yield mechanisms, and optional settlement methods.
It also integrates a time value model with a dual PayFi architecture.
Moreover, it meets compliance requirements through a merger with Arf.
Arf is responsible for lending and interest recovery, while Huma handles deposits, forming a practical collaboration for fund input and repayment paths.
So far, over $100 million in loans have been completed, with no defaults.
For any institution with extremely high safety requirements for funds, this data is more persuasive than any words!
The basic characteristics of this 401(k) pension are that contributions are made jointly by employers and employees, with long-term investments, and diversified asset allocation under a strong regulatory framework, which determines that high-volatility products cannot be invested in.
In this context, the long-term sustainable fixed-income products offered by #Huma are highly sought after.
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