GM everyone 🌞! Let's see if @KaitoAI data @humafinance continues to dominate the rankings! This... is indeed a bit surprising; once the 0.5% chips are out, no one is going to miss out on rolling in, so will it be ranked first directly until TGE? 😂😂 The speed of content fragmentation is really fast, Kaito, you did it.
Decentralization---Centralization---Decentralization----Splitting brains and knowledge mining 💰!
Just wrote it casually, it feels a bit difficult to squeeze into the top 100!!!
I saw @humafinance collaborating with @JupiterExchange, but the rewards given probably aren't much. However, this collaboration also marks an important convergence between DeFi and payment finance (PayFi).
Since launching its first PayFi network in 2022, Huma Finance has been committed to providing instant, borderless liquidity for global payments through blockchain technology, stablecoins, and real-world assets (RWA).
In April 2025, Huma Finance launched Huma 2.0 and began collaborating with Jupiter Exchange and Kamino Finance, further enhancing the platform's accessibility and user experience. The innovation of Huma 2.0 lies in its ability to democratize real yields that were traditionally only available to institutions, allowing ordinary users to achieve institutional-level returns.
Through the integration with Jupiter Exchange, users can realize instant stablecoin liquidity on the Solana network, simplifying the cross-chain operation process.
This collaboration model not only enhances user experience but also promotes rapid growth of the platform. It has been reported that within two weeks of launching Huma 2.0, its total transaction volume (TTV) exceeded $4 billion, and the number of active wallet addresses increased from 5,600 to 33,000, with a growth rate exceeding 490%. This growth reflects a strong market demand for real, sustainable yields.
Huma 2.0 introduces a dual-mode system, including Classic Mode and MAXI Mode, which provide stable annual yields and maximized Huma Feather rewards, respectively. Users can switch freely between the two modes based on their needs, further enhancing the platform's flexibility and appeal.
Additionally, I saw a discussion between @humafinance Chief Business Officer Patrick F. Campos and @SolanaInstitute Chairman on the official Twitter account, which is not just an internal industry exchange but also a formal incorporation of policy compliance into the PayFi narrative. This indicates that PayFi is no longer a purely “concept” but is facing compliance, connecting with regulation, and seeking practical implementation as a mature system.
The subsequent roundtable forum on "Trends and Opportunities in PayFi and DeFi" represents the convergence of voices at the forefront of the industry. Participants like @SolanaFndn and @GlobalDigitalFi not only have technology but also possess a global perspective, indicating that PayFi is transitioning from concept to execution, from tools to ecosystem.
I believe the future of PayFi will be the “application breakthrough” for DeFi:
1⃣️ It connects RWA, stablecoins, and real-time payments, solving the “last mile” problem between traditional finance and on-chain finance.
2⃣️ It embraces compliance, representing the maturation and institutionalization stage of DeFi.
3⃣️ It allows finance to no longer be limited to Web3 internal users but starts to serve Web2 and even unbanked populations.
My intuition tells me that PayFi is not just a track; it is the key for DeFi to reach the masses and the real financial system. The deep cooperation between Huma and Solana, regulatory dialogue, and forward-looking layout make me full of expectations for the future of PayFi.
