Recently, Solayer is constructing a complete on-chain financial ecosystem through a series of strategic layouts, with its innovation mainly reflected in three dimensions:
1. Breakthrough in revenue product matrix
The sUSD product brings traditional US Treasury yields into the crypto world. Although a 4% annualized return is not stunning, its significance lies in bridging the revenue channels between traditional finance and the crypto market. Coupled with the high yield of 12% from native SOL staking, it forms a complete yield ladder from low risk to high return. This structured product design is clearly superior to the single model of traditional CEX savings.
2. Building a closed loop of payment scenarios
The emergence of the Emerald Card has solved the "last mile" problem of cryptocurrency. Through collaboration with Visa, it has achieved:
- Full coverage of payment scenarios (online/offline)
- Real-time fiat currency exchange
- Integrated revenue consumption
This "save-earn-spend" closed-loop experience far surpasses the single model of bank wealth management, which is "only save and do not spend."
3. Continuous evolution of underlying technology
If InfiniSVM's million TPS goal is achieved, it will bring:
- Transaction costs reduced by over 90%
- Settlement speed surpassing the Visa network
- Support for complex financial products on-chain
The recent acquisition of security company Fuzzland further demonstrates its emphasis on security.
Industry impact analysis:
Solayer's model may trigger three major trends:
1. Traditional asset management institutions accelerate the layout of on-chain US Treasury products
2. Exchanges are forced to upgrade wealth management services
3. Payment companies face competitive pressure from cryptocurrency cards
Potential challenges:
- Regulatory compliance (especially for cross-border payments)
- Sustainability of US Treasury yields
- Performance under large-scale applications
Overall, Solayer is building a new type of financial infrastructure that integrates revenue, payments, and technology, and its development deserves continuous attention.
