After experiencing the roller coaster from 'DeFi Summer' to 'LUNA Crash' in the cryptocurrency market, investors finally realize: true returns should not come from token inflation in liquidity mining, but should be rooted in the real economy. The launch of Huma 2.0 is like a lighthouse in a dark forest — it opens up the double-digit returns traditionally monopolized by financial institutions to global users in a decentralized manner, allowing everyone to become an 'on-chain banker'.
Core Content:
1. The underlying architecture of real returns
The returns of Huma 2.0 do not come from market fluctuations, but from the daily settlement fees of the global payment network (0.06%-0.1% per transaction). For example:
◦ Classic Model: Users can earn an annualized return of 10.5% by depositing USDC, with funds used for payment institutions to advance cross-border orders;
◦ Fast Model: Give up USDC returns and focus on earning Huma Feathers (which can be exchanged for governance rights or participate in airdrops), with limited-time rewards multiplied up to 25 times. This design makes Huma particularly outstanding in a bear market — when Bitcoin drops by 30%, its stablecoin yield pool still maintains a positive return of over 10%.
2. Ecological leap of combinability
The launch of the $PST token marks Huma's upgrade from a single protocol to 'yield Lego':
◦ Liquidity interoperability: Users can exchange PST for USDC through Jupiter or collateralize PST to borrow funds on Kamino;
◦ Yield leverage: RateX supports splitting $PST into priority (PT) and subordinate (YT) classes to meet different risk preferences;
◦ Community fractal: The invitation mechanism allows users to earn 10% of their referrals' Feathers returns, forming a self-growing network.
3. The win-win approach for institutions and retail investors
Huma Institutional provides customized services for qualified investors:
◦ Large financing: Hedge funds can obtain overnight loans of millions of dollars through Huma Prime;
◦ Risk layering: Senior investors receive priority principal protection, while junior investors take on risks for higher returns (annualized up to 26%). This 'dual interest rate model' protects retail investors' principal while providing high-yield assets for institutions, becoming a bridge connecting traditional finance and DeFi.
