In the Web3 ecosystem, the common dilemma is 'lively on-chain finance, quiet daily consumption'—despite Solana having a rich DeFi landscape, it struggles to integrate crypto into users' daily lives. Solayer focuses on 'connection', using the InfiniSVM hardware engine to solidify the performance foundation of on-chain finance, while building a revenue bridge for daily consumption through the Emerald Card. This achieves a technical breakthrough of over 1 million TPS, making 'spending crypto to earn rewards' a daily occurrence. With a solid ecosystem of 350 million TVL and over 104,500 users, Solana establishes a practical new pathway for 'on-chain finance to be implemented and daily consumption to yield returns'.
1. InfiniSVM: The hardware 'power core' of on-chain finance, breaking through performance to enable bidirectional implementation for institutions and DeFi.
Traditional Layer 1 often falls into the trap of 'software performance hitting a ceiling', turning high-value financial scenarios into 'white paper concepts'. Solayer's InfiniSVM, with its groundbreaking design of 'hardware-accelerated Layer 1', becomes the 'power core' of on-chain finance, completely breaking down the barriers to implementation:
• Over 1 million TPS unlocks scale limits: Unlike the 'computing power loss' of software sharding, InfiniSVM uses InfiniBand (100 Gbps bandwidth) and RDMA technology to 'unload' the transaction verification module to FPGA chips, paired with 'multiple execution clusters' to process non-conflicting transactions in parallel—testing networks have already stably supported over 500,000 TPS, aiming for over 1 million TPS, a 100-fold increase from Solana's current 10,000 TPS. This scale breakthrough allows DeFi scenarios to truly 'handle volume': After integrating a cross-chain lending protocol, daily liquidation volume increased from 10 million USD to 50 million USD, with liquidation delays reduced from 2 seconds to 0.3 seconds and bad debt rates lowered by 92%, eliminating the need to limit user scale due to 'insufficient computing power'.
• 0.8 milliseconds latency activates institutional demand: Measured trading latency is compressed to 0.8 milliseconds, a thousand times better than Solana's mainnet, perfectly matching institutions' core demands for 'low latency and high stability'. Three traditional asset management firms have tested RWA high-frequency trading using InfiniSVM: The price update delay for tokenized gold assets has been reduced to 100 milliseconds, with a data error rate of <0.01%. A certain asset manager stated, 'This predictable delay allows us to confidently migrate 10% of our gold holdings to the chain for intraday trading.'
• AI + trading scenario implementation new possibilities: Low latency and high concurrency also support deep integration of AI risk control and high-frequency trading: Quantitative institutions use AI models based on InfiniSVM to capture SOL/sUSD trading data in real-time, generating arbitrage strategies within 100 milliseconds, increasing the success rate from 60% to 98%, and daily returns by 20%. Ordinary users can enjoy a 1.2 times collateral rate when borrowing sUSD by collateralizing sSOL, with AI models based on InfiniSVM assessing collateral data in real-time, allowing users with scores above 700 to obtain more funds without 'over-collateralizing', breaking the 'high threshold' convention of DeFi.
2. Emerald Card: The crypto 'profit valve' for daily consumption, linking hardware for 'earn while you spend'.
Most crypto payment cards can only 'complete payments', but do not solve the pain points of 'slow settlement and intangible rewards'. Solayer's Emerald Card, in deep collaboration with InfiniSVM, transforms daily consumption into 'an entry point to earn crypto', fundamentally changing the situation of 'only being able to speculate and not use':
• Global consumption 'seamless and lag-free': Users can cover over 40 million Visa/Mastercard merchants worldwide by transferring SOL, sSOL, or sUSD to the Emerald Card without needing to exchange for fiat currency—whether buying milk tea offline, shopping for maternity products online, or booking flights across borders, it’s all possible. The core support is the InfiniSVM's 'payment-dedicated computing cluster': Consumption instructions do not queue with other on-chain transactions, completing 'crypto → local fiat' exchange settlement in under 1.2 seconds with a success rate of 99.9%, faster than traditional credit card cross-border payments. A user paid 1000 USD for imported milk powder in Australia using the Emerald Card, with a settlement time of 1.1 seconds and an exchange rate error of <0.01%, saving 150 USD compared to pre-exchanging currency.
• Consumption earns 'real-time feedback': Unlike traditional payments where 'points redemption is difficult and slow', the Emerald Card's reward mechanism is completely on-chain—every dollar spent earns 0.01 LAYER instantly (with wallet reminders within 10 seconds), with no expiration date or redemption thresholds. Based on the current LAYER price ($0.55-0.62), users spending an average of 1500 USD monthly could earn an additional 9-12 USD worth of tokens each month; if LAYER returns to its historical high of 2.55, monthly rewards could reach 38 USD, equivalent to a 'cashback of 2.55%'. Even better, the refunded LAYER can be directly staked to enjoy an annualized return of 8%-10%. For instance, earning 12 USD worth of tokens monthly, and after staking, could earn an additional 1.2 USD annually, forming a closed loop of 'spending → earning coins → further appreciating'.
• Scenario adaptation 'daily without blind spots': The Emerald Card has also launched exclusive benefits for different consumption needs—when consuming over 2000 USD at partner cross-border e-commerce, an additional 2 sSOL experience coins are given (enjoying a 6.5% APY for 7 days, approximately 0.23 USD return); when dining at partner restaurants, 'spend 100 get 20' merchant discounts can be stacked, making 'spending crypto' more cost-effective than 'spending fiat'. Currently, 88% of activated users report using it at least 5 times a month, saving more money than credit cards.
3. Collaborative links: 'Closed-loop activation' from chain finance to daily consumption, with ecological data confirming practical value.
The core value of Solayer lies in the 'collaborative link' formed by InfiniSVM and the Emerald Card, allowing on-chain finance and daily consumption to no longer be fragmented, but rather to mutually activate each other:
The hardware performance of InfiniSVM provides technical assurance for the Emerald Card's 'real-time settlement and instant rewards'—avoiding 'failed consumption and delayed rewards' due to insufficient computing power, allowing users to 'dare to use and want to use'; meanwhile, the 23,000 activated users (activation rate 88%) brought by the Emerald Card also provide traffic support for the high-value financial scenarios of InfiniSVM: After using the Emerald Card for consumption, the earned $LAYER can be staked or exchanged for SOL and converted to sSOL (which can then be re-staked for a 6.5% APY), driving the re-staked TVL of sSOL to 186 million USD; when users consume using sUSD (backed by U.S. Treasury bonds, 4% APY), it brings stable usage scenarios for sUSD, pushing its TVL over 31 million USD, with 23% coming from traditional asset management institutions.
This 'on-chain finance supporting consumption, consumption feeding back finance' closed loop transforms users from 'occasional trading' to 'daily participation'—30% of Emerald Card users will further stake sSOL, and 40% of sSOL stakers will consume using sUSD, forming a conversion ladder from 'consumption users → finance users → ecosystem builders', thoroughly activating the practical value of the Solana ecosystem.
Summary: The value of connection becomes prominent, and the potential of the trough awaits realization.
Solayer's core competitiveness lies in its identity as not just an isolated 'technical tool' or 'payment card', but as Solana's 'daily connector of chain finance'—InfiniSVM enables on-chain finance to have 'implementable performance', while the Emerald Card gives daily consumption 'the attractiveness of earning money', with both working together to bridge crypto from 'investment products' to 'daily necessities'.
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's TVL has reached 350 million USD, with a market cap/TVL ratio (0.37-0.45) significantly lower than the average level of Web3 financial infrastructure (0.6-0.8), backed by top-tier capital such as Polychain Capital and Binance Labs. As the InfiniSVM mainnet achieves over 1 million TPS and more merchants and institutions are integrated, the 'daily link of chain finance' built by Solayer will further improve. Its current valuation trough may gradually realize long-term value with the expansion of user scale and practical scenarios.@Solayer #BuiltOnSolayer $LAYER
