yield

IF @Huma Finance 🟣 is accelerating the movement of money for a world that is always on
then what is actually powering the engine behind the yield, and why does it keep working even when markets slow down?

1️⃣ The Revenue Engine: Cross-Border Payments
Every day, businesses move money across countries to pay suppliers, settle transfers, and fund payment corridors.
The problem is that traditional cross-border payments are slow to settle. Funds can sit in transit for days while banks and intermediaries reconcile balances.
During that delay, capital is locked and cannot be reused.
Huma focuses on financing these in-flight payments. Instead of a payment company waiting days to receive settled funds, Huma provides upfront USDC liquidity so the transaction can complete immediately.
2️⃣ PayFi Ecosystem & The PayFi Stack:
This only works because there is a proper technical and financial framework behind it, called the PayFi Stack.
The PayFi Stack is structured in layers so payment financing can run globally without rebuilding financial infrastructure from scratch each time.
At a simple level, the layers include:
▫️a transaction layer with fast chains like Solana and Stellar for low cost, high speed settlement
▫️a currency layer using stablecoins like USDC so value stays stable during transfers
▫️a custody layer with secure multi-party and smart contract custody
▫️a compliance layer that handles KYC, AML, and jurisdiction rules
▫️a financing layer that connects capital to payment demand and structures risk onchain
▫️an application layer where payment apps, card programs, remittance tools, and trade platforms operate
Because each layer has a clear role, payment companies and fintechs can plug into the stack and access liquidity, compliance, and settlement rails in a modular way
3⃣ The Performance: PST Yield
$PST is the PayFi strategy token that gives exposure to Huma’s payment financing engine
While some stablecoins depeg on events, PST’s value trend has been supported by underlying revenue from payment financing activity
It is all backed by real-world yield that earns you a APY of up to 8-14%

#Payfi #yield #APY

當大多數CT（加密推特）對memecoins和ETF感到興奮時，Maple Finance悄然實現了DeFi中最強勁的“跑步”之一。
syrupUSDC，這種基於鏈上機構貸款的收益穩定幣，從2024年中期的完全陰影發展到2026年初的15億美元的鉅額市值。我們談論的是近乎拋物線的18個月增長。
⚡ 爲什麼這是一場“遊戲變革”？
機構貸款不再是傳統金融（TradFi）的專屬。Maple Finance以無權限、透明且尤其是大規模的方式將其引入鏈上。