apy

Everyone keeps asking when payments will finally move on-chain. Meanwhile, Huma just quietly crossed $10 billion in total transaction volume, and this milestone proves PayFi is not coming in the future, it is already working right now.
The Numbers That Matter:
Huma processed $10 billion in Total Transaction Volume. This is not TVL sitting in pools or inflated metrics. This represents actual businesses moving real money for cross-border payments, merchant settlements, and trade finance operations.
The growth is what stands out. Huma went from $2.9 billion to $10 billion in one year, which is 3.4x growth in real payment flows. Even more impressive is the zero defaults track record across all those transactions. When you are processing billions with perfect repayment history, that is institutional-grade risk management working as designed.
Building With Circle and USDC:
Huma is a Circle Alliance Member, building PayFi infrastructure directly with the team behind USDC. In January 2026, USDC processed over $8 trillion on-chain. Huma became the first embedded credit solution for the Circle Payments Network, providing instant liquidity when institutions need to settle USDC payments.
When major financial players need on-demand liquidity for stablecoin settlements, they are using Huma’s infrastructure to make it happen.
How PayFi Actually Works:
Traditional cross-border payments take three to five business days. Businesses have to prefund accounts with billions of dollars that just sits there waiting. Huma eliminates this completely by providing capital instantly so payments settle at blockchain speed instead of banking speed.
The $10 billion in transactions proves businesses are already using this infrastructure for their payment operations right now.
Real Yield From Real Activity:
PST is the yield-bearing token backed by these payment flows. Through market crashes and volatility, PST maintained its peg around $1.04 to $1.06. The yield comes from businesses paying fees to access liquidity for their payments, not from token emissions or farming rewards.
The track record is clear: $10 billion in transactions, zero defaults, and stable peg maintenance through volatile markets.
What Comes Next:
Huma is targeting $25 billion or more in Total Transaction Volume and $500 million or more in Total Active Liquidity. The focus includes embedding PayFi into major payment networks, expanding into trade finance, and bringing institutional-grade yield to everyone.
Global payments move $1.8 quadrillion annually through traditional systems. Huma just processed $10 billion, which means PayFi has not even captured one percent of the market yet. This is not a ceiling, this is a starting line.

#HumaFinance #solana #defi #payfi #APY

Key Differences Between APY and APR
1. Definition:
- APR (Annual Percentage Rate): This is the simple interest rate calculated on your initial investment over a year. APR does not account for compounding interest.
- APY (Annual Percentage Yield): APY includes the interest rate and the effect of compounding, which means it reflects the additional interest earned as the interest itself is reinvested over time.
2. Compounding:
- With APR, you earn interest on your original principal only. For example, if Binance offers 5% APR on a staking pool, you’ll receive 5% interest on the initial amount, assuming none of the interest is reinvested.
- APY takes into account the compounding frequency. For example, if Binance compounds your staking rewards weekly, the interest earned each week is added back to your principal, meaning future interest is calculated on this larger amount. This will give you a higher total return compared to APR.
3. Simple Example:
- Let’s say Binance offers a 5% APR on staking BNB. If Binance compounds rewards weekly, the APY might be around 5.12%. The small increase happens because APY accounts for the compounding effect.
4. Which is Higher?
- APY is always higher than or equal to APR because of compounding. The more frequently the interest is compounded (daily, weekly, monthly), the larger the difference between APY and APR.
5. When to Use APR vs. APY:
- APR is useful for comparing simple interest rates, such as when borrowing or lending without compounding.
- APY is better when comparing investment returns, such as staking or yield farming, where compounding plays a role.
Binance-Specific Example:
- On Binance, when you stake tokens (e.g., BNB or USDT), you’ll often see both APR and APY displayed. The APY will typically be higher because it includes the effect of compounding.
- For staking products on Binance, it’s important to check the compounding frequency to fully understand how much you can earn.
#HamsterKombat #apr #apy

#APRBinanceTGE
TGE stands for Token Generation Event, where new tokens are created and distributed for the first time. On Binance, this is not just a listing event but also an opportunity for staking or farming to earn high yields, often related to APR (Annual Percentage Rate) – annual profit rate.
Guide to Participating in APR Binance TGE Step One
To not miss out on APR Binance TGE, follow these steps. The simple process only takes a few minutes:

APY vs APR: What’s the Difference?

APY, or annual percentage yield, incorporates interest compounded quarterly, monthly, weekly, or daily, while APR, or annual percentage rate, doesn’t. This simple distinction can make a significant difference to the calculations for returns over a period of time. It is therefore important to understand how these two metrics are calculated and what it means for the returns that you can earn on your digital funds.

APR

APR stands for annual percentage rate. This is the simpler of the two terms. In simple terms, the Annual percentage rate is the interest a lender is bound to earn on their money. Also, the borrower pays for the interest over one year.

APY

#APY stands for Annual Percentage Yield. Unlike in the #APR model, where you get a fixed amount after every year, which is decided upon by the initial principal amount itself, in the annual percentage yield, you will receive some interest every month.
#NonFarmPayrollsImpact

@Lorenzo Protocol l #lorenzoprotocol l $BANK

Every cycle, DeFi tells the same story.

New protocols launch.
APYs look unreal.
Capital rushes in.
Then everything breaks.

And when it does, we blame hacks, bad actors, or “market conditions.”

That’s a lie.

DeFi didn’t fail because of hacks.
It failed because capital was never managed—only parked.

The Real Problem Nobody Talks About

Most DeFi protocols are obsessed with yield generation, not risk control.
Users are told to stake, lock, and wait.

But once assets are staked, they’re frozen.
No flexibility.
No strategy.
No response to market shifts.

This isn’t decentralization.
This is passive capital with extra steps.

Traditional finance learned this lesson decades ago:
Unmanaged capital is the biggest risk of all.

DeFi just hasn’t caught up—yet.

Where Lorenzo Changes the Conversation

Lorenzo Protocol doesn’t try to out-hype the market.
It does something far more dangerous: it introduces structure.

Instead of raw staking, Lorenzo brings:

Tokenized strategies

Managed exposure

TradFi-style portfolio logic on-chain

This isn’t about chasing higher APY.
It’s about making capital usable while it earns.

That single shift changes everything.

When capital stays liquid, strategies can evolve.
When strategies evolve, risk becomes manageable.
When risk is managed, systems survive cycles.

That’s not a feature.
That’s infrastructure.

Why This Matters More Than APY

The next DeFi cycle won’t reward noise.
It will reward discipline.

Protocols that understand capital efficiency will win.
Protocols that only promise yield will disappear.

Users are growing up.
Capital is getting smarter.
And systems that can’t adapt will be exposed—fast.

Lorenzo isn’t trying to be flashy.
It’s positioning itself where the real value accrues:
between capital and decision-making.

Final Thought

DeFi doesn’t need more protocols.
It needs better systems.

Not hype machines.
Not yield farms.

But frameworks that treat on-chain capital with the seriousness it deserves.

That’s the quiet shift happening right now.
And most people won’t notice—
until it’s already too late.

#lorenzoprotocol #DEFİ #APY

📝 Hey, brothers, are you rushing for the GOAT Network's One Piece activity? It ends on July 7!
The last opportunity to board before the $GOAT TGE, seize it.

I previously noticed that @GOATRollup has a solid technical foundation, and I've taken a serious look at their One Piece Season 2 activity these past few days, discovering that this is a rare opportunity to genuinely participate in the project’s main storyline, rather than just short-term rewards.

👇👇👇

1. Why we are optimistic about GOAT Network

GOAT has adopted Entangled Rollup technology, not relying on centralized bridges, nor taking a detour, but directly integrating DeFi and contract functionalities with Bitcoin. It is one of the most advanced solutions pushing BTC programmability.

Be aware: for those who don't know, a SmartContract is an "application" or "code" hosted on the ETH blockchain. For more details, ask the AI. For this example, we'll use one of the most secure ones available, and I know this because you need to study—don't just believe me, research it yourself.
In the browser, type: LidoFinance or lido.fi, always check the URL starts with https
Steps:
1. First, delegate your eth. Direct staking is not done because it requires a substantial capital, which you can also ask the AI about. But we can delegate them to this protocol.

In crypto, a tradition has already formed: a new project means we immediately launch 1000% APY, add farming, then a bit of inflation, and then we'll see how it goes... or how it flies. To the bottom.
STON.fi says: "no, thank you." There are no promises of golden mountains here, no crazy APY that only works for the first 12 early birds. Instead, there's a simple idea: you work with a tool, not with an illusion.