Huma Finance is a Web3 project focused on the integration of real-world assets (RWA) and on-chain finance, dedicated to creating a new financial paradigm called 'PayFi'. It provides unsecured credit lines for businesses and individuals through income-backed lending and accounts receivable financing, facilitating the flow of funds both on-chain and off-chain. The project team is based in Silicon Valley, with a rich background in fintech, and has achieved cross-border payment compliance through the acquisition of Arf Financial. Huma's modular architecture encompasses trading, custody, compliance, and application layers, supporting multi-chain deployment and stablecoin settlement. Users can participate through Classic or Maxi modes to earn interest or points and aim for future airdrops. As a project launched on Binance Launchpool, Huma Finance is reshaping the on-chain credit system and serves as an important bridge between Web3 and traditional finance. #humafinance @Huma Finance 🟣
Positioning: A blockchain-based enterprise receivables financing protocol that connects traditional businesses (e.g., suppliers, logistics companies) with DeFi investors to solve financing difficulties for SMEs.
Core Innovation and Advantages
1. Real Asset Anchoring, Anti-Cyclicality
-Asset Side: Corporate receivables (e.g., unpaid invoices) are on-chain as NFTs, used as collateral.
Fund Side: DeFi investors provide stablecoin/USDC liquidity to earn interest generated from real business (non-inflationary token incentives).
2. Dual Risk Control Model
Off-chain Underwriters: Professional institutions (e.g., credit assessment companies) review enterprise qualifications and bear first loss risks.
WalletConnect Token (WCT) Potential Forecast Analysis 1. Core Value Support Protocol-Level Infrastructure: WalletConnect is not an ordinary application but a foundational communication protocol for Web3, connecting wallets, DApps, and users. Its technology has been integrated by over 500 mainstream projects such as MetaMask, Trust Wallet, and Uniswap, with daily connection requests exceeding 100 million, becoming the 'invisible pipeline' in the DeFi/NFT space. - Rigid Demand: With the development of multi-chain ecosystems and Account Abstraction (AA), the demand for secure cross-chain interactions has surged, and the protocol layer value of WalletConnect may continue to rise.
2. Competitive Advantages
- Monopolistic Ecological Niche: Competitors (such as Web3Modal) have a low market share, while WalletConnect occupies over 90% of wallet integration share. - Funding Endorsement: In 2022, it received $12.5 million in funding led by Union Square Ventures, with a valuation of $500 million. #WalletConcet $WCT
A deep deconstruction of the essence of Bitcoin’s value: from technological singularity to social contract revolution
1. Geek Experiment Stage (2009-2012)* - Core breakthrough: Solving the double-spending problem and verifying the feasibility of peer-to-peer electronic cash - Key event: The creation of the Genesis Block (2009) - Peak market value: <span million 2. Credit alternatives stage (2013-2017) - Core breakthrough: Transformation of payment tools into censorship-resistant assets - Key events: Cyprus banking crisis saw a 400% surge in a single week; BitPay connected to Microsoft/Dell - Peak market value: $326 billion 3. Institutional-level stored value stage (2020 to present) - Core breakthrough: Establishing a consensus on "digital gold"
The concept of Web3 is rooted in the ideal of reshaping the core architecture of the internet—from platform monopoly to user sovereignty, from data extraction to value return. This evolution is not instantaneous; its vitality and deepening consensus are clearly visible at key historical junctures: 2008-2013: The Foundation of Cryptographic Currency (Consensus Beginnings) Satoshi Nakamoto's Bitcoin white paper (2008) and the genesis block (2009) provided the first practice of decentralized digital value transfer. Although initially focused on payments and store of value, the underlying blockchain technology revealed the possibility of achieving consensus without trusted intermediaries, laying the first cornerstone for Web3.
WalletConnect: Opening a New Era of Web3 Interoperability In today's world where multi-chain wallets are becoming increasingly popular, WalletConnect is reshaping the way wallets connect. As an open protocol, it supports **nearly a hundred mainstream wallets and dApps for secure connections, from Uniswap to OpenSea, from Ethereum to Cosmos.
✨ Core highlights include: V2 protocol launch: Supports multi-chain connections, topic subscription mechanism, and more efficient message push. Privacy protection upgrade: Decentralized identity verification without exposing private keys or seed phrases. Wide ecological cooperation: The project has secured millions of dollars in funding, with partners across DeFi, NFT, GameFi, and other fields.
📌 As a participant in Web3 tasks, I have personally tested WalletConnect for cross-chain activities and multi-platform task verification, and found the experience smooth and efficient. It may become an essential tool for all wallet users in the future!
💡 Continuously monitoring WalletConnect's governance tokens, points mechanism, and potential reward activities, and I also welcome Binance Square partners to share experiences and explore project opportunities together! WalletConnect WCT$WCT
The Future of WalletConnect is Bright Positive Factors Include 1. Growth and Popularization of Web3 Users 2. Prosperity of Multi-Chain Ecosystems 3. Mobile-First Trends 4. Continuous Improvement of Security Awareness: 5. The Necessity of Interoperability and Open Standards: The number of wallets and dApps in the ecosystem is surging, and fragmented connection solutions will lead to confusion and poor user experiences. As an open protocol and de facto standard, #WalletConnect provides a unified connection layer, promoting interoperability and efficiency across the ecosystem. This network effect is its strong moat. 6. Functionality Expansion Beyond Basic Connectivity: Push Notifications (Notify): Allows dApps to push transaction status updates, governance proposals, activity notifications, etc., to users' wallets, significantly enhancing user experience and engagement. Chain Switching: Simplifies user operations for switching between different blockchain networks within dApps. Exploration of Future Potential and the Possibilities of Combining Account Abstraction (ERC-4337), Social Login, Decentralized Identity (DID/VC), Off-Chain Message Signing, etc., to expand application scenarios. 7. Strong Ecosystem Support: Widely integrated and supported by almost all mainstream wallets. Endorsed and resourced by leading companies like ConsenSys. The above is a personal opinion and does not constitute investment advice.
The Future of WalletConnect is Bright Positive Factors Include 1. Growth and Popularization of Web3 Users 2. Prosperity of Multi-Chain Ecosystems 3. Mobile-First Trends 4. Continuous Improvement of Security Awareness: 5. The Necessity of Interoperability and Open Standards: The number of wallets and dApps in the ecosystem is surging, and fragmented connection solutions will lead to confusion and poor user experiences. As an open protocol and de facto standard, #WalletConnect provides a unified connection layer, promoting interoperability and efficiency across the ecosystem. This network effect is its strong moat. 6. Functionality Expansion Beyond Basic Connectivity: Push Notifications (Notify): Allows dApps to push transaction status updates, governance proposals, activity notifications, etc., to users' wallets, significantly enhancing user experience and engagement. Chain Switching: Simplifies user operations for switching between different blockchain networks within dApps. Exploration of Future Potential and the Possibilities of Combining Account Abstraction (ERC-4337), Social Login, Decentralized Identity (DID/VC), Off-Chain Message Signing, etc., to expand application scenarios. 7. Strong Ecosystem Support: Widely integrated and supported by almost all mainstream wallets. Endorsed and resourced by leading companies like ConsenSys. The above is a personal opinion and does not constitute investment advice.
WalletConnect was born in the context of early Web3 connection methods being insecure, poorly experienced, and especially lacking in mobile and cross-device connections. Its core mission is to provide an open, secure, user-friendly protocol standard that allows users' wallets (especially mobile wallets) to interact securely with various dApps (especially those running in browsers) without exposing private keys. It successfully addresses this critical pain point through an innovative mechanism based on URI/QR code scanning and end-to-end encrypted relaying, becoming an indispensable 'connection layer' in Web3 infrastructure, greatly promoting the popularity of decentralized applications and enhancing user experience. Its evolution from v1 to v2 also reflects a continued response to new demands such as multi-chain and complex interactions. #walletconnext @WalletConnect $WCT
Monad: The Parallel EVM Terminator? Real test shows 3 times the performance of Solana (with interaction airdrop guide)
A Project Background Introduction: Monad is a high-performance, EVM-compatible Layer-1 blockchain project dedicated to solving Ethereum's scalability and efficiency bottlenecks through innovative technologies such as parallel execution and delayed execution. Its goal is to achieve 10,000 transactions per second (TPS) while maintaining high compatibility with the Ethereum ecosystem. 1 Core Technology Team: Monad was founded in 2022 by former Jump Trading team members, with core members including: Keone Hon (CEO): Former Head of High-Frequency Trading Research at Jump Trading, graduated from MIT.