Is it true that high returns in DeFi always seem to be monopolized by Large Investors and institutions? This situation may soon be broken. Huma Finance 2.0 is reshaping the "financial boundaries" and opening up new opportunities for ordinary users.

Traditional on-chain lending usually requires collateral to be deposited first, but Huma takes a different approach. It innovatively transfers the accounts receivable and expected income of offline businesses to the blockchain, quickly releasing 70%-90% of cash flow through smart contracts, greatly improving the liquidity and efficiency of capital usage.

The upgrade of Huma 2.0 is not just a technical innovation, but a significant step towards financial democratization. It breaks the monopoly of institutions, allowing ordinary users to participate in high-quality yield strategies that were previously accessible only to large institutions. By integrating the two main functions of "payment" and "financing", Huma 2.0 has become an open, composable modular Decentralized Finance (DeFi) protocol (PST). This means users can easily interact with multiple ecosystems such as Solana and Ethereum without any barriers.

In just two years, Huma has processed over $3.8 billion in transaction volume, demonstrating an impressive growth rate. More notably, these earnings come from actual payment settlements and financing interest of enterprises, rather than relying on airdrops or token price fluctuations. This "PayFi" model based on the real economy provides users with a relatively stable source of income, maintaining relative robustness even during market turbulence.

Huma Finance's innovation is not just about adding new features within the existing DeFi framework, but about migrating the real-world credit system onto the blockchain. This initiative makes on-chain finance more inclusive, allowing more people to participate and gain substantial benefits.

With the continuous development of the Decentralized Finance ecosystem, the launch of Huma Finance 2.0 undoubtedly injects new vitality into the industry. It not only lowers the threshold for ordinary users to participate in high-quality DeFi projects but also provides new possibilities for the deep integration of on-chain finance and the real economy. In this rapidly changing financial world, Huma Finance 2.0 may become one of the important forces leading the direction of future development.