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- Hey Square fam! How many Alpha points have you racked up lately?
Did you get your airdrop? We’ve also got extra perks for you on Gate Square!
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1️⃣ Make a post with the hashtag #ShowMyAlphaPoints#
2️⃣ Share a screenshot of your Alpha points, plus a one-liner: “I earned ____ with Gate Alpha. So worth it!”
👉 Bonus: Share your tips for earning points, redemption experienc
- 🎉 The #CandyDrop Futures Challenge is live — join now to share a 6 BTC prize pool!
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Dare to trade. Dare to win.
In the wave of innovation in Web3, an exciting concept is emerging: transforming the sources of income in our daily lives into liquidity assets on the Blockchain. This attempt to seamlessly connect the real world with digital finance is the core idea of the PayFi network being developed by the Huma Finance team.
This innovative platform is challenging the inherent models of traditional decentralized finance (DeFi). Unlike the high collateral requirements commonly found in traditional DeFi, the PayFi network adopts a brand new lending model based on 'future cash flows'. This means that users do not need to deposit large amounts of cryptocurrency as collateral in advance; they only need to prove they have a stable source of income to receive instant financial support.
The core of the PayFi network is its smart contract system based on the Time Value Model (TVM). This system can accurately assess the income streams of borrowers and provide financing limits of up to 90% of expected cash flows accordingly. This not only greatly improves the efficiency of capital use but also opens the door to the Web3 financial world for groups that traditional DeFi finds difficult to cover.
In this innovative ecosystem, the HUMA token plays a crucial role. It is not only a medium for staking rewards and governance voting but also the key to activating liquidity across the entire PayFi network. Through HUMA, users can participate comprehensively in this emerging financial ecosystem.
The emergence of PayFi marks another important milestone in the democratization of finance. It is lowering the threshold for financial services from 'having a large amount of assets' to 'having a stable income', allowing a broader population to enjoy the convenience brought by financial innovation. In this new era, PayFi is closely integrating payment (Pay) with decentralized finance (DeFi), while HUMA serves as an important bridge connecting users with this innovative financial system.
As the PayFi network continues to develop, we can expect to see more innovative integration of traditional finance and Blockchain technology, providing users with a more flexible and efficient financial service experience.