In the past, I always thought that things on-chain belonged to young people.
Until my parents asked me a question:
"The bank interest is now less than 3%, so where should we put our retirement funds?"
I was stunned.
As an old veteran in the crypto space, I never thought my parents would also want a 'stable but slightly growing' plan.
I thought about it and opened an on-chain wallet for them, then handed the answer to — Huma Finance.
👨👩👧 What is Huma?
It is not a project that relies on 'buying coins to profit', nor is it a 'contract ranking' game,
But it's a truly grounded:
On-chain invoice financing platform
Huma brings the 'merchant receivables' of the real world onto the chain,
We, the investors, provide USDC, the merchants repay, we collect interest, and we can also receive HUMA tokens and points rewards.
In simple terms, its underlying logic is very similar to that of banks, but the distribution of profits is fairer, the participation threshold is lower, and the freedom of funds is higher.
💰 Parents' actual test results:
• They participated in the Maxi Financing pool and put in 3000U
• Interest automatically credited to the wallet daily, with an APY around 12%
• PST tokens can be exchanged back for principal at any time, with no lock-up and no penalty
• Points can also unlock advanced rewards, and may participate in governance and reward dividends in the future
Compared to the 'static, passive, locked' state of traditional bank wealth management,
Their money actually lives more flexibly on-chain.
🔍 Why do I feel safe letting them use Huma?
We are not expecting to get rich quickly,
But it can achieve: generating new money every day without taking risks.
🧱 What kind of family configuration is Huma suitable for?
• Families with some idle money but are afraid to buy coins ✅
• People who want stable growth rather than reckless surges ✅
• People who want to stop their parents' money from 'lying idle' ✅
• Newbies who want to experience RWA but don't understand complex interactions ✅
Huma has lowered the 'technical threshold' on-chain to the minimum,
Making 'wealth management logic' clear, transparent, and actionable.
💬 For you who also have family asset anxiety:
Real bank interest rates are getting lower and lower,
Platforms frequently have risk control, lock orders, and clearouts,
Do you really want to continue putting your parents' pension in a 'system controlled by others'?
👇 Let's chat in the comments:
Where is your family's money placed? Have you considered putting a part of it on-chain?
I have organized a (Huma family configuration suggestion plan) on my side,
Friends who want it can leave a message saying 'configuration', and I'll send you the detailed version!
