In the field of DeFi, high-yield opportunities seem to always be monopolized by Large Investors and institutions. However, the emergence of Huma Finance 2.0 may change this situation, opening new opportunities for ordinary users.

Traditional on-chain lending usually requires users to first collateralize assets, which somewhat restricts the flexibility of funds. Huma Finance adopts an innovative approach by bringing the receivables and expected income of offline enterprises onto the blockchain, quickly releasing 70% to 90% of cash flow through smart contracts. This method significantly enhances the liquidity and efficiency of fund utilization.

The upgrade of Huma 2.0 brings more exciting changes. It is no longer limited to institutional investors, but is open to ordinary users, allowing them to participate in high-quality yield strategies that were previously only accessible to Large Investors. Huma integrates payment and financing functions, creating an open and modular DeFi protocol (PST) that can easily adapt to various ecosystems such as Solana and Ethereum.

In the past two years, Huma has handled over $3.8 billion in transaction volume. Notably, its revenue comes from actual payment settlements and financing interest from businesses, rather than relying on token speculation or airdrops. This "PayFi" model based on the real economy builds a credit bridge between the real world and blockchain, providing novice investors with a relatively stable income channel.

Huma Finance's innovation not only adds new features to Decentralized Finance but, more importantly, it is reshaping the way financial services are provided. By lowering the barriers to entry, Huma is driving Decentralized Finance towards a more inclusive and accessible direction, providing a broader user base with opportunities to participate in high-quality financial services.

With the emergence of these innovative models, we can expect to see further evolution of the DeFi ecosystem. The launch of Huma Finance 2.0 may indicate that DeFi is entering a new stage of development, where ordinary users will have more opportunities to participate in high-quality financial services.