When I used to play DeFi, my mind was always focused on staking, lending, mining, how much to annualize, and how long to lock. Returning to reality, paying rent at the end of the month, returning credit cards, and friends asking me to pay bills and transfer money, these most daily "money coming and going" tasks are almost of no help on the blockchain. Until later, I came into contact with the concept of PayFi. Lily Liu's suggestion is to stop focusing solely on 'money that doesn't move', and instead turn 'money on the road, money in time difference' into value. This is quite common, such as during the process of salary distribution, during the settlement process of customer payments, or during the empty window in the account period of small businesses. The Solana ecosystem is currently the strongest push for PayFi, as it is cheap and fast, making it particularly suitable for high-frequency and small-scale transactions. Looking further inside, you will find that @ humafinance is actually doing something very down-to-earth: Continuing with your real income, bills, and transactions in the Web2 world, Continuing with the liquidity and funding pool on the Solana chain, Try to transfer the money that you haven't received yet to the money that you can use now, as long as your credit and cash flow are genuine enough. So why are so many people staring at @ humafinance now? Because it's not teaching you how to play more complex DeFi, but trying to integrate this set of things on the chain, Truly receiving daily payments, receipts, payment terms, and cash flows from everyone. When you realize one day that you no longer have to go around tearing up walls and making up for walls just for a few days of payment terms, there is a high probability that there will be a type of PayFi protocol quietly operating behind it.