My cousin runs a coffee shop in Thailand, where half of the customers are locals and the other half are digital nomads working here. The payment methods are chaotic: card swiping, transfer, domestic wallet, and a bunch of remote orders settled in US dollars. Her biggest annoyance before was two words: jamming. The customer has paid, the platform needs to settle for a few days, the bank needs to settle for a few days, and she has to enter coffee beans, pay rent, and pay the clerk's salary. The cash flow is interrupted, and she can only rely on credit cards to resist. She once roast to me: "Money is not in my hands." Later, she was drawn into an inner circle and said that she could try to use stable currency for settlement, and then connect to a platform like @ humafinance to do PayFi. Simply put, when the customer pays, they use stablecoins and it takes only a few minutes to reach their wallet; More importantly, this stablecoin will not lie down and wait for her to use like a traditional account, but will directly enter the PayFi pool of @ humafinance and become 'available liquidity'. The platform uses on chain contracts to lend these stablecoins to small businesses in need of turnover in the short term. She can withdraw the money at any time with just one click, and during this period, the funds also earned her a little more interest.