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Richard Liu
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Richard Liu
@DrPayFi
Co-founder https://t.co/p9ed05nlYE
Katılım Ağustos 2009
518 Takip Edilen7.1K Takipçiler
@joejoedefi @humafinance 确实，HUMA的风控做得可以，就是流动性还得继续冲。目前来看Solana DeFi里还真没啥好项目能打
中文
实践一次次证明 @humafinance 的伟大！
我说一句：
最近两年里，Solana上最良心、最优质的DeFi项目就是 HUMA！
谁支持？谁反对？
JoeJoe@joejoedefi
以防 DeFi 新人们没听说过 “补仓领空投” Solstice 给你结结实实上一课 奇奇怪怪的“知识” 又特么增加了 Solana 多几个 @solsticefi 这样的“老师”， 怎么摆脱土狗链的刻板印象？ 还谈什么sol defi复兴？ 还想在defi上赶超以太坊？ 笑拉了...
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@btc_juanmao @libapi_ @tempo 这得跟他们客服沟通，把问题搞透。卷毛大佬不在乎这点钱，别的用户可能在乎。
你肯定不是唯一一个猜到这个坑的。Tempo 肯定也不希望用户把钱砸坑里。
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PST transparency dashboard certified by Accountable:
huma.accountable.capital
English
HUMA 空投第4季时间线更新：
6 月 8 日： 资格查询上线
6 月 12 日： 第一阶段 Claim
6 月 26 日： 第二阶段 Claim
不经意间，PST TAL 已经悄然创下 $169M 的 ATH。事实证明，币圈寒冬阻挡不了 PayFi 的稳健增长。这还只是个开始，好戏在后头。接下来几周有一连串重磅发布，让我们一起期待。Keep on building, keep on growing! 🚀
Huma Finance@humafinance
The Season 4 HUMA claim timeline has been updated: June 8: Eligibility checker June 12: First claim June 26: Second claim Major launches coming up, exciting weeks ahead. Back to shipping 🚢
中文
Richard Liu retweetledi
The Season 4 HUMA claim timeline has been updated:
June 8: Eligibility checker
June 12: First claim
June 26: Second claim
Major launches coming up, exciting weeks ahead. Back to shipping 🚢
English
Agreed, Stani. Especially for RWA, TVL is often just a Total Vanity Leaderboard.
Over one year ago, DeFiLlama listed Huma with a TVL of a few thousand dollars. Why? Because our capital was ~100% deployed - out of the pools, in active use, and earning yield for LPs. DeFiLlama reported our idle capital as TVL. It’s deeply ironic that traditional metrics penalize maximum capital efficiency. We had them take us down.
For RWA, we need to value protocols based on actual economic activity, not stagnant pools:
- Total Transaction Volume (Real-world impact)
- Total Active Liquidity (Capital actively at work)
- Total Yield Paid (Actual LP returns)
- Total Protocol Income (True revenue basis)
Stani@StaniKulechov
One of the biggest mistakes in valuing DeFi lending protocols is using TVL as the primary metric. TVL measures net collateral. It does not measure lending activity. Compare Aave vs SoFi at the end of 2025: Aave ~$52B supplied ~$22B active loans (the loan book) ~$700M+ borrowing interest flows ~$150M retained by the DAO SoFi ~$37.5B deposits ~$38B loan book ~$1.8B lending revenue (interest earned) ~$481M net income In TradFi: deposits are liabilities / cost of capital loans are the earning assets lenders are analyzed on loan books, interest income, spreads, and asset growth But in DeFi, the market mostly looks at TVL and DAO-retained fees. That’s like valuing a bank only on net interest spread while ignoring the size of the loan book and gross interest flows. Under traditional financial accounting frameworks, Aave looks far closer to a +$700M lending business than a $150M revenue protocol to be comparable (without counting equity). TVL is not the revenue basis for lending protocols. Loan books and interest flows are.
English
Richard Liu retweetledi
1/ Celebrating $13B PayFi transactions on Solana.
Huma Prime is now open to everyone for deposits.
A Defensive Looping strategy vault, leveraging real yield from $PST. Prime earns you up to 16.8% APY.
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【 Huma的“披萨”大餐 】
今天是披萨节，
交易所和各大项目已造势好几天了，
满屏的披萨、美女和狂欢营销。
而Huma @humafinance 一如既往的安静，没有加入这喧嚣的氛围中。
我认为安静不等于没动静、没动作，
说不定团队正在Cooking不一样的“披萨”呢！
比如，Huma的S4空投和内容学院奖励。
按照3个月的期限惯例，
Huma S4空投应该就在下个周了，
参与者可以在官网上直接能看到自己的 $HUMA 奖励数量。
至于内容学院的奖励，
目前已知信息是：
只有那些持续参与、认真创作内容的人，
才有机会分到这块“披萨”。
一切下周应该就见分晓了。
这顿虽迟但到的“披萨大餐”，
或许真的快端上桌了！
TaoFen@taofen_boy
【 DeFi要消失？不可能！】 前天看到你可先生 @Nickp_xxx 分享的在银行取自己交易明细的经历， 我一下就想到了此前Huma联创Erbil @0xErbil 分享的从自己土耳其账户转钱到美国账户的遭遇： Erbil自己的土耳其账户里有一些钱， 注意，这些钱都是合法的，账户也是他自己的， 他想把钱转移到自己的美国账户中， 经过了与金融机构一个多月的极限拉扯之后， Erbil还是放弃了…… 因为传统金融机构是爱和你扯淡的， 低效、繁琐、成本高， 所谓的“服务效率”，很多时候根本经不起推敲。 这也是以Huma @humafinance 为代表的PayFi项目存在的重大意义。 Huma本质上也是DeFi项目， 从这点来看，说DeFi不行了，要消亡了， 这些论调完全不成立！ 要知道， 去年通过的天才法案给了稳定币合法身份， 还在推进的CLARITY Act则进一步为DeFi提供合规框架， 有两部法案保驾护航， DeFi不仅不会消失， 反而意味着它正在从野蛮生长走向真正成熟。 当然，某种意义上来看， 说DeFi要消亡也不算完全错， 因为会被淘汰的是那些 没有价值、没有安全性、没有竞争力的劣质项目。 黑暗丛林也讲究优胜劣汰， 垃圾DeFi项目一定会消失， 唯独有竞争力的优质项目才会留下来！ 所以，准确的说法应该是： 劣质的DeFi项目不行了，要消亡了， 这也是物竞天择的必然结局。 不要再担心整天DeFi又这又那的了， 真正担心的应该是迂腐的传统金融， 马云曾说：银行不改变，那我们就改变银行！ 这话放在这里仍然成立， 因为真正的 DeFi， 对于传统金融的低效率与高成本， 本质上就是一场降维打击。 如果再不主动改变， 被时代淘汰，只是时间问题。
中文
@taofen_boy @humafinance 这不，Tao 一晒出 Pizza，Huma Prime 又加额度了，比 Pizza 更有味道
日本語
Richard Liu retweetledi
Another huge week for onchain finance. PayFi is everywhere.
Headlines ↓
1️⃣ CLARITY Act cleared the Senate Banking Committee and is moving toward a real Senate vote. Major progress for the U.S. digital asset industry.
2️⃣ Japan has officially approved foreign-issued stablecoins such as USDC, USDT, and RLUSD as electronic payment instruments effective June.
3️⃣ Huma surpassed $13B in PayFi transactions. A 3.17x YoY growth from $4.1B to $13B.
4️⃣ KRWQ, a Korean won-denominated stablecoin announced its expansion to Solana, positioning itself as a core settlement asset for Korean won liquidity on the network.
5️⃣ Jupiter Lend and Bitwise launched an institutional-grade Ethena lending market on Solana, offering scalable yield designed for billions in institutional capital.
6️⃣ Stripe-backed Tempo taps $7.5 billion DeFi lender Morpho to scale their PayFi offerings.
7️⃣ Fireblocks joined x402 Foundation and launched Agentic Payments Suite.
8️⃣ Tether's USDT supply on Solana reached a new ATH of $3.75B.
9️⃣ Grove launches Basin with up to $1 billion in daily liquidity, enabling instant onchain stablecoin liquidity for tokenized RWAs.
🔟 Checker raised $8M from Galaxy, AlMadaVC, and Framework Ventures to unify fragmented digital asset markets for institutions.
English
Richard Liu retweetledi
🌟 NEW ETHConf speaker announced:
@0xErbil, Co-Founder and Co-CEO of @humafinance
Karaman co-founded Huma Finance in 2022 to build the first PayFi network, a category that pairs real-world payment receivables with onchain stablecoin liquidity.
June 8–10, NYC. 🗽
English
Richard Liu retweetledi
Another incredible week for PayFi and our ecosystem partners. From global payment giants to the largest allocators, PayFi was the theme of the past week.
Headlines ↓
1️⃣ @WesternUnion, one of the largest payment networks, launched @USDPT_ on @solana via @Anchorage.
2️⃣ Kraken parent @Payward acquired @reapglobal for $600 million, expanding @PaywardServices with globally regulated card issuance and stablecoin payments.
3️⃣ @Visa expanded stablecoin settlement to Arc, Base, Canton, Polygon, and Tempo as volume reaches $7B with 50% QoQ growth.
4️⃣ @a16zcrypto raised $2.2B for their new fund, highlighting payments and on-chain finance as the leading use cases.
5️⃣ @HaunVentures raised $1B to invest in the new financial infrastructure including payments, banking, capital markets, custody, foreign exchange, as well as the agentic economy.
6️⃣ Huma selected @chainlink’s CCIP for cross-chain expansion of yield products, enabling the expansion of PST across chains while maintaining the highest level of security.
7️⃣ @raincards is now a @mastercard Principal Member. Stablecoin card infrastructure, now with global network reach.
8️⃣ @jpmorgan's 2026 Payments Outlook Report reiterates, “The next generation of payments will be defined by liquidity."
9️⃣ @Tether launched Developer Grants Program to fund local-first AI and payments infrastructure.
🔟 @fun announced $72 million Series A, co-led by @multicoin and @SignalFire to modernize global payments for modern fintechs.
1️⃣1️⃣ @Meta begins offering USDC creator payouts to wallets on Solana and Polygon.
English
Tons of movement on PayFi last week
> Western Union launches USDPT on Solana
> MoneyGram and Kraken partner to turn crypto into cash at global scale
> Visa expands stablecoin settlement to five new blockchains
> a16z crypto maps the new global financial stack (Huma was featured)
> Rain is now a Mastercard Principal Member
And you're not bullish enough? PayFi Summer.
English
@cryptocatsansa Absolutely. You are the champion!
When legacy giants like Western Union and MoneyGram enter the space, it marks a true tipping point for stablecoins in cross-border payments.
English
@rtk17025 哈哈，是大实话。Solana 是 Huma 和 PST 的根据地，我们已经发布会跟 Chainlink 合作将 PST 带到更多链上，现在已经确认下面要上的两条链，后面的都还在 evaluating。我们的多链策略，肯定会是少而精，而不是百花齐放。由于 Arc 对支付的支持，绝对是重点考察对象。
中文
Cross-border payments is the leading use case. Onchain credit is the second act.
Give it a read if you have time to spare: a16zcrypto.com/posts/article/…
English
@cryptocatsansa @humafinance It was 101K, all protocol fee and pool owner fee, no user funds.
English
Huma's legacy v1 pools on Polygon were exploited earlier today. The impacted ~$101K funds are all protocol fee and pool owner fee. No user funds were impacted.
All v1 pools are now paused.
Huma’s Solana systems are completely rebuilt. The vulnerability in this exploit does not apply to our Solana systems.
More update to follow.
Huma Finance@humafinance
Earlier today a vulnerability in Huma’s legacy v1 contracts on Polygon was exploited for 101,400 USDC. No user funds at risk and PST is not impacted. Huma’s v2 system on Solana is a complete rewrite and this issue does not apply to v2 systems. The teams were already in the process of sunsetting all the legacy v1 pools, and have paused v1 completely now.
English
Richard Liu retweetledi
🔐Solar收音台：聊聊DeFi安全，拉响链上警报
复盘Drift、AAVE等近期DeFi被盗事件，@DrPayFi 也来亲述昨晚 @humafinance v1 协议的漏洞攻击事件。身处黑暗森林，项目方如何以后规避类似事件的发生？用户怎样甄别协议风险，保护好自己的资产？本期邀请了安全专家和DeFi项目方们，从不同角度出发一起聊聊
⏰5月13日 周三9pm HKT
🧑🏫主持人：@day1globalpod Co-founder @starzq
嘉宾：@humafinance Co-founder @DrPayFi
@TradeNeutral @Neutraltrade_CN Founder Jared
@zerodriftsec Founder @Normanrockon
@FlashRescue Co-founder Darcy
Solar (Solana中文社群)@Solana_zh
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