In the Web3 ecosystem, 'technological self-circulation' is easy, but 'multi-party win-win' is difficult — most projects can only achieve partial optimization of the on-chain ecosystem, but it is challenging to create a resonance of interests among merchants, enterprises, and users. Solayer, with 'win-win' as its core logic, customizes technical solutions for business scenarios using InfiniSVM, connects government, enterprise, and banking financial chains through sSOL+sUSD, and realizes cross-scenario rights interconnection with the Emerald Card. This not only establishes a solid ecological foundation with a TVL of 350 million and over 104,500 users but also allows the Solana ecosystem to transition from 'on-chain self-circulation' to 'full-domain collaborative growth' through a multi-party win-win model of 'cost reduction for merchants, increased power for enterprises, and profits for users'.
1. InfiniSVM: Customized technical adaptation enables efficient landing of business scenarios.
Solayer's InfiniSVM never pursues 'universal performance parameters', but instead focuses on 'customized technical optimization' for pain points in different business scenarios, allowing Solana's performance advantages to be genuinely converted into operational efficiency for merchants — it is not a one-size-fits-all approach to computing power stacking, but rather a value output that matches demand.
For supply chain finance scenarios, InfiniSVM develops a 'real-time data authentication + intelligent clearing' module: after a certain electronic component supplier integrates, production progress and logistics information are uploaded to the chain in real-time via IoT devices, allowing core enterprises and banks to view trustworthy data synchronously, reducing the accounts receivable authentication time from 7 days to 2 hours, with banks lending based on on-chain data, and the supplier's financing cost decreasing from an annualized 8% to 5.5%, with monthly financing efficiency increasing threefold.
For offline retail scenarios, it optimizes the computing channel for 'high-frequency small payments': after a certain chain coffee brand integrates the Emerald Card payment, InfiniSVM allocates dedicated computing power for single transactions of $10-50, reducing settlement delays to 0.5 milliseconds, and maintaining a payment success rate of 99.9% during peak periods (such as morning rush hours), saving 30% in fees compared to traditional payment systems, and increasing average monthly revenue for stores by 12% due to 'smooth payments'.
This 'scenario customization' of technical implementation allows InfiniSVM to no longer be 'laboratory technology', but rather a 'cost reduction and revenue increase tool' for merchants — currently, 28 entities (including 15 supply chain merchants and 13 offline retail brands) have integrated, helping merchants average a 20% reduction in operating costs and a 15% increase in revenue, truly realizing 'technology adapts to business, business feeds back to ecology'.
2. sSOL+sUSD: Government and enterprise banking collaboration to activate funding for the real economy.
The funding in the Solana ecosystem is often trapped in 'on-chain closed loops', making it difficult to link with the real economy — small and medium enterprises lack low-threshold financing channels, local governments lack efficient subsidy tools, and banks lack trustworthy collateral targets. Solayer builds a 'government-enterprise-bank collaborative chain' using sSOL+sUSD, allowing on-chain funds to become 'living water' for the real economy.
For small and medium enterprises, sSOL is a 'flexible staking target': a certain machinery manufacturing enterprise stakes 500 SOL to receive 490 sSOL, retaining a basic staking yield of 6.5% while using sSOL as collateral to obtain a $300,000 operating loan through a cooperating bank, cutting loan approval time from 15 days to 3 days, and reducing the interest rate on traditional secured loans by 2 percentage points, thereby increasing production capacity by 18%;
For local governments, sUSD is a 'high-efficiency subsidy carrier': a certain industrial park cooperates with Solayer to distribute innovation subsidies for small and medium enterprises through sUSD, reducing the time for subsidy funds to arrive from 7 days to 1 hour, and the purpose of each subsidy (such as equipment procurement, R&D investment) is uploaded to the chain in real-time via InfiniSVM, allowing regulatory authorities to trace at any time, with the subsidy abuse rate decreasing from 12% to 1%, and the efficiency of fund usage increasing by 90%;
For banks, sSOL+sUSD is a 'low-risk business tool': cooperating banks lend by staking sSOL, with the bad debt rate reduced to 0.3% due to 'on-chain trustworthy staking', while attracting depositors by selling sUSD (4% APY), achieving a monthly increase of $25 million in savings deposits, realizing the dual goals of 'low-risk profit + business innovation'.
As of August 2025, three local industrial parks and five city commercial banks have cooperated with Solayer, cumulatively providing $12 million in financing for small and medium enterprises and issuing $8 million in industrial subsidies, allowing on-chain funds to genuinely serve the real economy and forming a 'government-enterprise-bank win-win' funding chain.
3. Emerald Card: Cross-scenario rights interconnection, allowing users to transition from consumption to ecological co-construction.
Most crypto payment cards can only achieve 'consumption functionality', but it is difficult to deeply bind users with the ecosystem — Solayer's Emerald Card allows users to transform from 'pure consumers' to 'ecological builders' through the interconnection of 'offline business rights + on-chain ecological rights', achieving 'profit from consumption, appreciation from participation'.
First, there are 'offline consumption rights': users holding the Emerald Card at partner merchants (such as chain restaurants, cross-border e-commerce) can enjoy exclusive discounts (up to 20%), for example, purchasing a $10,000 refrigerator on a certain cross-border appliance platform directly reduces the price by $2,000, while also waiving crypto exchange fees, saving a total of $2,200 compared to traditional payments.
Secondly, there are 'on-chain ecological rights': for every $1 spent, 0.01 $LAYER is returned; the returned coins can be directly staked for an annual yield of 8%-10%, or exchanged for DeFi investment quotas within the ecosystem (such as exclusive sUSD investment quotas);
More importantly, there is 'cross-scenario rights upgrading': users whose offline consumption accumulates over $10,000 or stake more than 50 sSOL can upgrade to 'ecological partners', enjoying low-interest loans (annualized 3.8%) from cooperating banks and priority subscriptions for new ecological projects.
This 'cross-scenario rights interconnection' significantly enhances user stickiness: the activation rate of the Emerald Card reaches 88%, with 70% of users spending more than 5 times a month, and 40% of users further participating in sSOL staking or DeFi mining due to 'rights upgrades', achieving a complete transformation from 'offline consumption → on-chain participation → ecological co-construction'. A certain user, through consumption rewards and staking, achieves an average additional income of $150 per month, far exceeding the value of traditional credit card points.
Summary: The win-win model determines the ecological height, and the potential of the value gap awaits realization.
Solayer's core competitiveness lies in the fact that it is not an isolated Web3 infrastructure, but rather a 'win-win value amplifier' of the Solana ecosystem — InfiniSVM helps merchants reduce costs and increase efficiency, sSOL+sUSD connects funds for enterprises and governments, and the Emerald Card allows users to profit from consumption, ultimately forming a multi-party win-win ecosystem where 'merchants are willing to come, enterprises can retain, and users come actively'.
Currently, the price of $LAYER is in the range of $0.55-$0.62, down 75% from the historical high of $2.55, but the ecosystem TVL has reached $350 million, and the market value/TVL ratio (0.37-0.45) is far below the average level of Web3 infrastructure (0.6-0.8), with top-tier capital backing such as Polychain Capital and Binance Labs. With the implementation of InfiniSVM's mainnet achieving over 1 million TPS and more government-enterprise-bank collaborations advancing, Solayer's 'win-win value' will be further amplified, and its current value gap may gradually be realized with the expansion of the full-domain collaborative ecosystem.
