Recently, I've seen a lot of people discussing HUMA, with prices rising and falling, staring at K-line charts all day. Isn’t that tiring? Actually, this thing isn’t just for speculation; there’s a real mechanism behind it. Today, I’m going to break it down for you, and I guarantee after you hear it, you’ll be slapping your thigh—so this is how it works!
1. You can borrow more money, and the interest is even lower Ordinary people can borrow at most 70% of their salary, but if you have $HUMA pledged, they can raise your limit to 90%, and the interest can be 20% cheaper! What does that mean? For example, if you are a small business owner and need to purchase stock, you can pledge 10,000 HUMA and get a 500,000 invoice, directly loaning out 450,000 USDC (about 3 million RMB). Isn’t that better than begging everywhere?
2. Higher interest rates on savings They have an “automatically compounding interest pool,” and if you deposit $HUMA, the interest is directly 30% higher than others! For example, if you deposit 100,000 USDC, you can earn over 20,000 HUMA in half a year. At the current price, that’s like getting almost 10,000 RMB for free. Isn’t that better than putting it in the bank?
3. You have a say, real power The best part is that whenever there’s a major change in HUMA, like adding new loan channels or adjusting interest rates, it all requires a vote from $HUMA holders! Last time, there was a proposal to “reduce cross-border remittance fees,” and 85% agreed, so it was directly reduced. This is much more substantial than those projects that only make empty promises, right?
Real data, no nonsense Now HUMA has processed $4.5 billion in transactions, helping over 100,000 people. Recently, they collaborated with Circle (the one that issues USDC), cutting cross-border remittance fees by 60%. For example, a worker in Africa borrowing USDC with a European payslip to remit home saves more than half compared to traditional channels. This savings is real money!
So, HUMA is really not a pump-and-dump air coin; it’s a practical “pass” that can genuinely be used. More and more people are using HUMA for payroll, invoicing, borrowing, and saving. In the future, this thing might really become “hard currency” in the PayFi ecosystem. @Huma Finance 🟣 this operation is something!
Recently, while looking at Messari's latest report, I was directly struck by the mention of FHE (Fully Homomorphic Encryption) technology. Simply put, it allows for data to be processed in a fully encrypted manner on the blockchain without sacrificing decentralization.
This field is still in its early stages, but someone has already rushed to the forefront — @mindnetwork_xyz ($FHE ), the world's first project to run FHE on the mainnet. What it's doing is straightforward: end-to-end encryption of data, transmission, and computation, leaving no chance for hackers and snoopers.
Its new move is even bolder — launching the RWA on-chain encrypted messaging protocol (Encrypted Messaging Onchain). This addresses the problem of the lack of a "message layer" on-chain, allowing for the secure transmission of highly sensitive information such as cross-border payments, derivative settlements, supply chain documents, and tax audits, similar to SWIFT messages. It can also be encapsulated as NFTs for permanent tamper-proofing and authorized viewing. In combination with $FHE and ZKP technology, compliance privacy and asset transfer are achieved in one go.
More importantly, $FHE is not just playing in Web3 but is also making strides in the top Web2 territory:
ByteDance Ecosystem: Signed an MOU with BytePlus, potentially serving 40 million Lark users; providing privacy computing on the COZE AI Agent platform, allowing Web2 AI to operate in a zero-trust manner.
Alibaba Cloud Collaboration: Implementing trustworthy AI in the cloud, using the MCP protocol to ensure AI results are verifiable and tamper-proof, establishing a "credit foundation" for AI Agents.
The previous round of ZK projects grew from tens of millions to billions in market value; this wave of FHE could be the next. The market value is still not large, so there's room for growth... you know what I mean.
🎁 Mega Red Packet is Here! 🎁 Bigger than the usual ones — Only 3,000 available ⏳ Hurry up before it’s gone! 🔥 💬 Claim Code: 1 ⚡ First come, first served!
$ETH Ether, are you going to 4000? Continue the brilliance of the previous round! But the bear market has already broken the floor! This is definitely the rhythm of harvesting the bears ❤️
Conan Coin is no longer just another crypto — it’s a symbol of trust, innovation and community power. 🌐 $BTC
Binance Web3 isn’t your average platform.It’s one of the most secure and advanced ecosystems in the crypto space, with strict standards that only a few projects can meet. #solana $SOL Not every token gets listed here — only those with real value, strong backing and solid fundamentals.#Europe
🛡️ This is where Conan stands out. #Web3 Being part of the Binance Web3 system is more than just a listing — it’s a stamp of credibility. $BNB Your assets are protected by multi-layered security, transactions are fully transparent and every project is thoroughly evaluated. #Write2Earn!
🚀 Conan doesn’t just offer potential gains — it offers peace of mind. Being on Binance Web3 means being part of the future. And that future is being built — with #CONAN .
Conan Coin is no longer just another crypto — it’s a symbol of trust, innovation and community power. 🌐 $BTC
Binance Web3 isn’t your average platform.It’s one of the most secure and advanced ecosystems in the crypto space, with strict standards that only a few projects can meet. #solana $SOL Not every token gets listed here — only those with real value, strong backing and solid fundamentals.#Europe
🛡️ This is where Conan stands out. #Web3 Being part of the Binance Web3 system is more than just a listing — it’s a stamp of credibility. $BNB Your assets are protected by multi-layered security, transactions are fully transparent and every project is thoroughly evaluated. #Write2Earn!
🚀 Conan doesn’t just offer potential gains — it offers peace of mind. Being on Binance Web3 means being part of the future. And that future is being built — with #CONAN .
🧧🦅Quietly I have arrived: Cold launch on January 31, 2024, with ID #Hawk 2024👍 issued on the Binance chain, total issuance of 80 billion pieces 🦅Don't let me leave quietly🤣 Are you that smart person? Let me know in the comments section👏👏👏👏#比特币流动性危机 #香港稳定币新规 #BTC #BNB
Heaven and Earth are separated by thousands of miles Envy is the root of all evil You are an eagle, it is an ant How can they be compared together at the same time
My dear you That flash of lightning is giving a warning Don't approach Pandora's gift box You are sharp and even more intelligent The emperor's new clothes are empty in their splendor You can't afford them and they are not practical
Fearless, be yourself Already makes people yearn and dream endlessly Just fascinated by this bare you, meow #Hawk No one can take it
Huma defines itself as the first PayFi network — a system that connects global financial institutions with instant on-chain liquidity for 24/7 payment settlement. The core idea: Instead of waiting for traditional settlements between banks or card networks, institutions can use on-chain liquidity (like stablecoins) to settle transactions instantly, and then perform off-chain settlement later under protocol supervision. This reduces settlement time and lowers liquidity risk and reliance on traditional banking schedules. @Huma Finance 🟣 #HumaFinance $HUMA
🧭 Direction of American Crypto Policy (2025) The United States is shifting its approach to crypto from a repressive stance to a supportive one:
- Functional Regulation: Digital assets are categorized based on their economic function (securities, commodities, or commercial tools), rather than merely old legal definitions. - Support for Innovation: The government encourages the SEC and CFTC to ease regulations to accelerate the growth of digital assets.
---
🏦 Integration of Traditional Finance & Crypto - Crypto Banks & Tokenization: Banks dealing with crypto should not have their licenses delayed. Payment and deposit systems are beginning to adopt tokenization. - Automated Approval: If regulators do not respond in a timely manner, applications are considered approved by default.
---
🛡️ Privacy, Taxes, and Anti-Monopoly Policy - CARF Framework: Prevents cross-border crypto tax evasion, but does not apply to DeFi due to its intermediary-free nature. - Rejection of CBDC: The government rejects central bank digital currency as it is seen as a threat to privacy and financial freedom.
---
📜 CLARITY Act & Digital Rights - Provides clarity on jurisdiction between the SEC and CFTC. - Guarantees citizens' rights to hold crypto assets independently and engage in peer-to-peer transactions.
---
🌀 Philosophical Meaning This report marks a “hard fork” in ideology: from an era of fear towards crypto to an era of golden innovation. It is more than just a legal document—it carries the narrative that blockchain could be the backbone of the financial system of the future.
🔥 Discover the Web3 entry tool in Telegram—Notcoin!
As a top Web3 gaming platform, it turns "mining" into fun interactions: just tap on the animated coins in the chat interface to easily earn Notcoin digital currency, a truly "play-to-earn" experience~
Created by the Open Builders community and supported by the TON Foundation, it skyrocketed to fame overnight with its minimalist design, making it a friendly stepping stone for blockchain newcomers! 🚀🚀
Want to enter the crypto world at a low cost? Start with Notcoin~
big ETH 0.001 claim fast https://app.binance.com/uni-qr/XSausqex?utm_medium=web_share_copy free W coin claim https://app.binance.com/uni-qr/7brf3VuV?utm_medium=web_share_copy $CHESS
Brazil wants to create its own national BTC reserve
The idea of a national Bitcoin reserve is gaining traction in many countries. A momentum largely supported by Donald Trump's historic decision to create such a structure in the United States. And while Kazakhstan may well be next on the list, it's Brazil's turn to consider the question.
The national Bitcoin reserve has become a topic of discussion in many countries. And this dynamic is not only relevant to developing countries. Economies like Sweden and France are also questioning the subject.