When I look at DeFi projects, there's only one thing: Can it increase? I'm too lazy to care about anything else. It wasn't until I had a chat with a friend who does cross-border business that I realized the real pain point was "money is too slow" - the company was not short of orders, but money was always on the road: the goods were shipped early, and it would take more than ten days to receive payment, and the cash flow was all stuck. Later, I went to check PayFi and flipped through it to see @ humafinance. At first glance, the team realized that Richard, who came from Tsinghua University, Google, and EarnIn, was in charge of the underlying management and financing; Product growth is the Erbil of Meta and Lyft, responsible for making products useful and accessible to people; Ji Peng led the team to connect operations, ecology, and partners. What they did, in plain language, is: Move the money that will only arrive in the future (wages, accounts receivable, stable income) onto the chain and turn it into liquidity that can be used today, Make money through risk control and real business in the middle, rather than relying on storytelling to drive sales. In the past two years, Huma's trading volume has increased from 0 to several billion dollars, and its financing has also reached tens of millions of dollars, Collaborate with Solana, exchanges, and institutions to bridge the gap between compliance and security, Overall, it is more like a company working on payment infrastructure rather than a simple coin issuance project. @Humifinance is not the kind of overnight ten fold wealth target, It's more like one of the people who 'slowly move money from the bank to the chain'. Whether you are optimistic about the short-term market or not is another matter, but this direction and these people are worth keeping an eye on.