From 5.7 billion in transaction volume to Huma2.0: How Solana's high TPS supports the high-frequency payment needs of PayFi?

After Huma2.0 went live on Solana, the total transaction volume surged to 5.7 billion, and many are curious: why choose Solana? The core reason is that Solana's 'high TPS (transactions per second)' can support the high-frequency payment needs of PayFi. PayFi is different from ordinary DeFi; it not only includes lending but also payment functions. For example, after a user borrows money against their future salary, they may need to immediately transfer funds to a supplier. When a business receives an invoice loan, it may need to pay for raw materials right away, all of which require 'speed'.

Traditional public chains like Ethereum have a TPS of about 15-30 and can experience congestion during peak times, causing transactions to wait for over ten minutes, with high fees that cannot meet the high-frequency payment needs of PayFi. However, Solana's TPS can reach thousands, even tens of thousands, allowing a transaction to be confirmed in seconds with low fees (a few cents to a few dimes). For instance, a certain cross-border e-commerce platform processes hundreds of invoice loans and payments daily; with Solana's Huma2.0, all operations can be completed in real-time without delays.

Moreover, Solana's 'low cost' is also crucial. If transaction fees are high, small and medium-sized enterprises may see increased costs when frequently using Huma for transfers, which could lead them to stop using it. The 5.7 billion in transaction volume also proves that Solana's high TPS and low cost perfectly match the needs of Huma2.0, creating a 'strong alliance'. This is also a significant reason for the explosive growth of Huma2.0.

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