I used to think that in order to make more money on the chain, there were only two things: either speculation or airdrop. Until one day, a friend who works in cross-border e-commerce told me that he had solved the long-standing problem of "selling goods but not receiving the money" with something called @ humafinance. 1. Friends' troubles are all about cash flow His business is not bad, he has a lot of orders, just one word: poor. The goods are shipped first, and the platform settles every two weeks. Cross border banking is slow and expensive. Every day, I check my account: I make money on paper, but in reality, I have no money to turn around. I can only borrow and advance money everywhere. Later, he told me: Now using the Huma PayFi protocol, the "future payments" are converted into "stablecoins that can be spent today" in advance, with a basic settlement of T+0. What exactly is Huma doing Let me help you translate what Huma Finance is doing: It is a DeFi protocol built on Solana, specifically designed for PayFi, also known as "payment financing" We serve businesses with real income and real accounts receivable, such as cross-border e-commerce and service providers Merchants throw in "credit" such as accounts receivable and future income There is a set of modules on the protocol side: evaluation, issuance, settlement, and repayment, all run by smart contracts Where does the money come from? From those of us who save money to become LPs The result is: Like my friend, you can get stablecoins in advance without being stuck in the settlement cycle anymore For those like us who have idle U, we can go in and be the 'money provider', receiving an annualized real income of 9% -15% Behind these profits, they correspond to real-world invoices and orders, not air stories At present, @ humafinance has processed $8 billion in transactions, with 97000 depositors and over 100 million in liquidity. Its volume is not small How do I use it here and what does it look like My approach here is very simple: A portion of stablecoins are not put on exchanges, so they are pulled into Huma's pool to generate profits The revenue is calculated on a daily basis, belonging to the mode of "running while sleeping" If you want to tinker a bit, you can go and take a look at their PST, a high-yield LP token Going up to the next level, we will study the HUMA token: Having governance power There is motivation It is also linked to various airdrops, events, and points like Kaito I have already been listed on platforms such as Binance and Bitget If you also want to try this type of PayFi, you can first remember three simple sentences: Huma is not a storyteller, she makes money from real payments and accounts receivable It is connected on one end to business people and on the other end to those of us who want to make stable profits, connected by stablecoins and smart contracts The entrance is http://app.huma.finance If you have spare money to be an LP, or simply follow the season activities after HUMA+to see your risk preference Most DeFi talks about 'how many times can a coin increase?', Huma is talking about 'how much money is made in the real world every day, and how much money goes through it'. The former focuses on emotions, while the latter focuses on cash flow. You can choose which side you prefer to stand on.