Recently, discussions in the stablecoin sector have been heating up, especially regarding the yield issues surrounding HUMA Finance. This reflects that more and more investors are beginning to follow and have confidence in the development prospects of the stablecoin market.

In terms of yield calculation, small investors may not need overly detailed calculations; as long as it exceeds their psychological expectations, it can be considered a profit. In contrast, large investors, due to considerations of risk diversification, often pay more attention to the precise calculation of the yield ratio.

Regarding the cost-performance ratio of PT (Principal Token) and YT (Yield Token), I believe that investment should follow straightforward and easy-to-understand principles. Complex investment strategies often come with more risks and uncertainties. For investors who are not familiar with these derivatives, directly investing in official or native assets may be a safer choice.

Although HUMA has faced some skepticism in the market, such as concerns regarding Chinese executives, bad debt risk, and the lack of transparency in the funds pool, these worries may stem from a lack of in-depth understanding of the project. It is recommended that investors watch interview videos of the project's co-founders on platforms like YouTube to gain a deeper understanding of HUMA's business model. Notably, the support from the Solana Foundation and its ecosystem for HUMA can also serve as a reference.

In the field of stablecoins, there are not many projects that can stand out and establish a good reputation. HUMA, as one of them, has shown good development prospects. For investors seeking stable returns, this is undoubtedly a choice worth following.

However, we should also recognize that any investment carries risks. Before making investment decisions, investors should conduct thorough research and risk assessments to ensure that their investments align with their risk tolerance and financial goals.