payfi
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老师们，今天刚好根据币安的活动来分享一下$HUMA
Huma Finance (HUMA) 正率先构建全球首个 PayFi 网络，该网络融合了支付与融资基础设施，旨在为现实世界收入及基于应收账款的链上信贷提供支持。
@Huma Finance 🟣 Huma Finance 正在重新定义 DeFi ，Huma基于 solana 超快交易层，Huma 的 PayFi 网络实现秒级支付，配合 USDC 稳定币，跨境转账零波动！ 智能合约自动化风控，链上处理超38亿刀交易，并且零违约，可以说是相当硬核！$HUMA 代币不仅是治理王牌，同时还能通过质押来赚取10.5% APY！感兴趣的朋友可以去详细了解一下 Huma Finance，解锁区块链金融新玩法！💪 #HumaFinance #solana #Payfi
上述的活动是币安广场的创作者活动，完成相关任务即可瓜分 $100,000 HUMA 奖励。发表的相关性高的帖子越多，获得的奖励就越大。奖励基于发帖量和参与度发放。有兴趣的老师快去参加🌞
Huma Finance (HUMA) 正率先构建全球首个 PayFi 网络，该网络融合了支付与融资基础设施，旨在为现实世界收入及基于应收账款的链上信贷提供支持。
@Huma Finance 🟣 Huma Finance 正在重新定义 DeFi ，Huma基于 solana 超快交易层，Huma 的 PayFi 网络实现秒级支付，配合 USDC 稳定币，跨境转账零波动！ 智能合约自动化风控，链上处理超38亿刀交易，并且零违约，可以说是相当硬核！$HUMA 代币不仅是治理王牌，同时还能通过质押来赚取10.5% APY！感兴趣的朋友可以去详细了解一下 Huma Finance，解锁区块链金融新玩法！💪 #HumaFinance #solana #Payfi
上述的活动是币安广场的创作者活动，完成相关任务即可瓜分 $100,000 HUMA 奖励。发表的相关性高的帖子越多，获得的奖励就越大。奖励基于发帖量和参与度发放。有兴趣的老师快去参加🌞
ترجمة
$HUMA Say hello to the first PayFi network — bringing real-world finance on-chain! 💸
Huma lets businesses borrow against invoices, payroll & remittances using blockchain tech.
✅ Built on Solana, Ethereum, Polygon, Stellar & Celo
✅ Over $4.5B in payments & $2.3B in credit already processed
✅ Backed by Circle, Galaxy Digital & HashKey
✅ Dual model: Institutions + DeFi users (Huma 2.0)
💰 Token: $HUMA — for staking, rewards & governance
It’s not just DeFi. It’s PayFi.
#HumaFinance #DeFi #PayFi #CryptoNews #Web3Finance
Huma lets businesses borrow against invoices, payroll & remittances using blockchain tech.
✅ Built on Solana, Ethereum, Polygon, Stellar & Celo
✅ Over $4.5B in payments & $2.3B in credit already processed
✅ Backed by Circle, Galaxy Digital & HashKey
✅ Dual model: Institutions + DeFi users (Huma 2.0)
💰 Token: $HUMA — for staking, rewards & governance
It’s not just DeFi. It’s PayFi.
#HumaFinance #DeFi #PayFi #CryptoNews #Web3Finance
ترجمة
@Huma Finance 🟣 ( $HUMA ) is Now Live! Here is why it is a huge deal!
The HUMA is more than a volume token. It is the creation of the #payfi (Payment + Finance) overlay that puts real-life income, such as salaries and invoices onto the blockchain. That would imply the possibility of lending, borrowing and credit based on the real cashflows, and not just crypto hype.
(1) Real-World Usage: It gives rise to millions of unserved, unbanked users to have access to decentralized credit through their income streams.
Strengths Backed by Circle, Visa and Superstate. That’s major.
(2) Multi-Chain: It is based on BNB Smart Chain and is moving to Solana and others.
(3) Massive Utility: Is already supporting projects such as payroll advances, invoice financing, and small business loans, etc.All of them are on-chain supported.
As DeFi 2.0 tends to incorporate real-world assets (RWAs), HUMA is one of the first to come out in a trend that is going to change the use-case of on-chain finance.
The Potential in the Long-Term: In case it secures a small portion of international lending or payroll-businesses, there is a significant potential in it. HUMA is worth watching. It is a not a mere token, it is the infrastructure supporting real on-chain economy.
#HUMAFINANCE🟣
The HUMA is more than a volume token. It is the creation of the #payfi (Payment + Finance) overlay that puts real-life income, such as salaries and invoices onto the blockchain. That would imply the possibility of lending, borrowing and credit based on the real cashflows, and not just crypto hype.
(1) Real-World Usage: It gives rise to millions of unserved, unbanked users to have access to decentralized credit through their income streams.
Strengths Backed by Circle, Visa and Superstate. That’s major.
(2) Multi-Chain: It is based on BNB Smart Chain and is moving to Solana and others.
(3) Massive Utility: Is already supporting projects such as payroll advances, invoice financing, and small business loans, etc.All of them are on-chain supported.
As DeFi 2.0 tends to incorporate real-world assets (RWAs), HUMA is one of the first to come out in a trend that is going to change the use-case of on-chain finance.
The Potential in the Long-Term: In case it secures a small portion of international lending or payroll-businesses, there is a significant potential in it. HUMA is worth watching. It is a not a mere token, it is the infrastructure supporting real on-chain economy.
#HUMAFINANCE🟣
ترجمة
Tired of slow, costly cross-border payments? Discover @humafinance, the groundbreaking first PayFi (Payment Finance) network that's transforming how money moves globally!
Huma Finance is leveraging stablecoins and on-chain liquidity to enable 24/7, instant settlements for payment institutions worldwide. Imagine real-world financial operations, like credit cards and trade finance, powered by blockchain speed and transparency. This isn't just DeFi; it's a new era where finance is truly "always on."
With Huma, businesses and individuals can access liquidity instantly, cutting out delays and inefficiencies. It's bringing institutional-grade yields to everyone and bridging the gap between traditional finance and crypto. Explore the future of payments!
#HumaFinance #PayFi #DeFi #RWAs
Huma Finance is leveraging stablecoins and on-chain liquidity to enable 24/7, instant settlements for payment institutions worldwide. Imagine real-world financial operations, like credit cards and trade finance, powered by blockchain speed and transparency. This isn't just DeFi; it's a new era where finance is truly "always on."
With Huma, businesses and individuals can access liquidity instantly, cutting out delays and inefficiencies. It's bringing institutional-grade yields to everyone and bridging the gap between traditional finance and crypto. Explore the future of payments!
#HumaFinance #PayFi #DeFi #RWAs
ترجمة
Dive into PayFi with @Huma Finance 🟣 !
Huma Finance is redefining real-world liquidity via blockchain—$HUMA powers yield, governance & on‑chain credit.
With $HUMA you earn in real-time, stake for protocol voting, and fuel PayFi’s global payments revolution 🌍
Excited to see Huma’s growth—strong tokenomics, deflationary burns, and institutional backing!
#HUMAFINANCE🟣
@Huma Finance 🟣
#payfi #DeFi $HUMA
Huma Finance is redefining real-world liquidity via blockchain—$HUMA powers yield, governance & on‑chain credit.
With $HUMA you earn in real-time, stake for protocol voting, and fuel PayFi’s global payments revolution 🌍
Excited to see Huma’s growth—strong tokenomics, deflationary burns, and institutional backing!
#HUMAFINANCE🟣
@Huma Finance 🟣
#payfi #DeFi $HUMA
ترجمة
🚨 The Future of Finance Is LIVE on Binance! 🚨
Say hello to PayFi — the fusion of Payments + Financing, powered by Huma Finance on BNB Chain.
💥 No more waiting for paychecks.
💥 No more invoice delays.
💥 No more cross-border nightmares.
With Huma, your future income becomes usable capital — instantly.
💳 Tokenize invoices, remittances, payroll
⚙️ Borrow on-chain, 24/7
💰 Earn with PayFi Strategy Tokens (Classic or Maxi)
🚀 All built on Binance's lightning-fast BNB Chain
Real use cases. Real yield. Real-world impact.
Already $4.5B+ processed and growing.
🔓 $HUMA token now live via Binance Launchpool
Stake BNB, FDUSD, USDC — farm real rewards
Govern, stake, boost — your key to the PayFi ecosystem.
This isn’t DeFi 2.0.
It’s Finance Rewired — and it starts right here on Binance.
🟣 Welcome to Huma.
💸 The PayFi revolution is now.
#HumaFinance #PayFi #Binance #BNBChain #HUMA
Say hello to PayFi — the fusion of Payments + Financing, powered by Huma Finance on BNB Chain.
💥 No more waiting for paychecks.
💥 No more invoice delays.
💥 No more cross-border nightmares.
With Huma, your future income becomes usable capital — instantly.
💳 Tokenize invoices, remittances, payroll
⚙️ Borrow on-chain, 24/7
💰 Earn with PayFi Strategy Tokens (Classic or Maxi)
🚀 All built on Binance's lightning-fast BNB Chain
Real use cases. Real yield. Real-world impact.
Already $4.5B+ processed and growing.
🔓 $HUMA token now live via Binance Launchpool
Stake BNB, FDUSD, USDC — farm real rewards
Govern, stake, boost — your key to the PayFi ecosystem.
This isn’t DeFi 2.0.
It’s Finance Rewired — and it starts right here on Binance.
🟣 Welcome to Huma.
💸 The PayFi revolution is now.
#HumaFinance #PayFi #Binance #BNBChain #HUMA
ترجمة
🚀 Real-world income meets DeFi with $HUMA
@Huma Finance 🟣 is changing the game — on-chain credit based on income, not assets.
This is what true #payfi looks like. Backed by $USDC , $CELO & more.
👇👇👇
🧵
1. Income-based loans (undercollateralized
2. Real-world credit, on-chain
3. Powered by smart contracts
4. Built for creators, workers, freelancers
5. Integrated with Binance ecosystem 💥
🔗 HUMA is bridging Web2 → Web3.
💬 What do you think:
Would you take a crypto loan based on your income?
👇 Reply with “YES” or “NO” and why!
⚡ Follow @cryptohassy for more PayFi alpha 🔍
#HumaFianance #DeFi #Web3 #BinanceSquare
@Huma Finance 🟣 is changing the game — on-chain credit based on income, not assets.
This is what true #payfi looks like. Backed by $USDC , $CELO & more.
👇👇👇
🧵
1. Income-based loans (undercollateralized
2. Real-world credit, on-chain
3. Powered by smart contracts
4. Built for creators, workers, freelancers
5. Integrated with Binance ecosystem 💥
🔗 HUMA is bridging Web2 → Web3.
💬 What do you think:
Would you take a crypto loan based on your income?
👇 Reply with “YES” or “NO” and why!
⚡ Follow @cryptohassy for more PayFi alpha 🔍
#HumaFianance #DeFi #Web3 #BinanceSquare
ترجمة
HUMA Finance: Đột phá với PayFi trên Solana – Tăng trưởng mạnh mẽ trong tháng 6!
📈 HUMA hiện đang giao dịch ở mức $0.0391, với mức cao nhất trong ngày đạt $0.0429 và thấp nhất là $0.0391.
🌐 Huma Finance vừa ra mắt phiên bản 2.0 trên nền tảng Solana, mở rộng khả năng tiếp cận thanh toán phi tập trung toàn cầu.
💼 Với sự hỗ trợ từ các quỹ lớn như HashKey Capital và Circle, HUMA đang trên đà phát triển mạnh mẽ trong lĩnh vực tài chính phi tập trung.
🔮 Triển vọng: HUMA có thể tiếp tục xu hướng tăng trong thời gian tới, nhờ vào sự đổi mới và hỗ trợ mạnh mẽ từ cộng đồng và các đối tác chiến lược.
#HUMA #payfi #solana #defi #CryptoNews
🌐 Huma Finance vừa ra mắt phiên bản 2.0 trên nền tảng Solana, mở rộng khả năng tiếp cận thanh toán phi tập trung toàn cầu.
💼 Với sự hỗ trợ từ các quỹ lớn như HashKey Capital và Circle, HUMA đang trên đà phát triển mạnh mẽ trong lĩnh vực tài chính phi tập trung.
🔮 Triển vọng: HUMA có thể tiếp tục xu hướng tăng trong thời gian tới, nhờ vào sự đổi mới và hỗ trợ mạnh mẽ từ cộng đồng và các đối tác chiến lược.
#HUMA #payfi #solana #defi #CryptoNews
ترجمة
$HUMA 💳 Modern payments need modern rails.💜
The PayFi Stack is a 6-layer powerhouse — from fast chains to stablecoins, custody, compliance, and real-world apps. 🚀
#Humacoin #BinancelaunchpoolHuma #payfi #Web3
The PayFi Stack is a 6-layer powerhouse — from fast chains to stablecoins, custody, compliance, and real-world apps. 🚀
#Humacoin #BinancelaunchpoolHuma #payfi #Web3
ترجمة
[Crypto Sector Watch: PayFi Takes the Lead]
Some signs of sector rotation emerging — here’s the past 24h breakdown:
📲 PayFi Sector: +2.52%
XRP: +3.14%
Keeta (KTA): +17.8% 🚀
🏦 RWA: +1.14%
🧱 Layer1: +0.24% (SOL +1.30%, AVAX +1.61%)
🏛️ CeFi: +0.08% (HYPE, OKB, CRO edge higher)
🔻 DeFi: -0.84%
🔻 Meme: -1.21% (but BONK +1.68%, SPX +4.17%)
🔻 Layer2: -1.73%
💡Mini Insight:
Sector rotation hints at shifting sentiment. PayFi is seeing traction — a sign that “on-chain payments” could be the next narrative to watch.
📍BTC is ranging near $105K while ETH dips below $2.5K. Markets still feel cautious and narrative-driven.
#CryptoSectors #PayFi
Some signs of sector rotation emerging — here’s the past 24h breakdown:
📲 PayFi Sector: +2.52%
XRP: +3.14%
Keeta (KTA): +17.8% 🚀
🏦 RWA: +1.14%
🧱 Layer1: +0.24% (SOL +1.30%, AVAX +1.61%)
🏛️ CeFi: +0.08% (HYPE, OKB, CRO edge higher)
🔻 DeFi: -0.84%
🔻 Meme: -1.21% (but BONK +1.68%, SPX +4.17%)
🔻 Layer2: -1.73%
💡Mini Insight:
Sector rotation hints at shifting sentiment. PayFi is seeing traction — a sign that “on-chain payments” could be the next narrative to watch.
📍BTC is ranging near $105K while ETH dips below $2.5K. Markets still feel cautious and narrative-driven.
#CryptoSectors #PayFi
ترجمة
🔍 What Makes Huma Finance ($HUMA) Unique in DeFi?
Huma Finance isn’t just another DeFi protocol — it’s the first PayFi network that enables lending based on real-world, on-chain receivables. This model allows businesses and individuals to tokenize their future income, making it usable for credit today.
📈 In a space filled with volatility, $HUMA introduces a more stable credit framework backed by actual payment flows.
💡 This approach could reshape how credit scores work in the crypto world, giving people access to financing without relying on traditional banks.
🎯 Join the $100K HUMA Rewards Campaign on Binance! Complete tasks, share your insights, and engage to maximize your rewards.
@Huma Finance 🟣
#HumaFinance #Binance #PayFi
Huma Finance isn’t just another DeFi protocol — it’s the first PayFi network that enables lending based on real-world, on-chain receivables. This model allows businesses and individuals to tokenize their future income, making it usable for credit today.
📈 In a space filled with volatility, $HUMA introduces a more stable credit framework backed by actual payment flows.
💡 This approach could reshape how credit scores work in the crypto world, giving people access to financing without relying on traditional banks.
🎯 Join the $100K HUMA Rewards Campaign on Binance! Complete tasks, share your insights, and engage to maximize your rewards.
@Huma Finance 🟣
#HumaFinance #Binance #PayFi
ترجمة
Solana is the industry focus for 2025. Many reasons there are to support #Bullish $SOL .
#PayFi , #Meme , #RWA , etc . . . but yet it is still not working as expected .
Many whales are playing with $SOL , they want to maximize their profits. So, be cautious .
If they are going too far, investors will sick of their tricks and lose hope on Solana. Solana has many potential but now there are many close competitors such as . . $SUI , $APTS, L2s and many startup projects.
#PayFi , #Meme , #RWA , etc . . . but yet it is still not working as expected .
Many whales are playing with $SOL , they want to maximize their profits. So, be cautious .
If they are going too far, investors will sick of their tricks and lose hope on Solana. Solana has many potential but now there are many close competitors such as . . $SUI , $APTS, L2s and many startup projects.
ترجمة
@Huma Finance 🟣 正在引领PayFi革命！通过Solana区块链，HUMA提供实时跨境支付和基于收入的借贷，交易超38亿美元，0违约率！加入Huma Finance，体验透明、高效的DeFi未来，解锁双位数收益！🚀 #HumaFinance #PayFi #DeFi
ترجمة
📌 Как работает кредитование в #HumaFinance Разбираем модель на базе дебиторки
Одна из фишек HUMA — это кредиты, обеспеченные дебиторской задолженностью.
То есть вы можете получить финансирование под ожидаемые платежи — зарплату, фриланс, B2B-контракты.
🔍 Как это работает:
✅ У вас есть стабильный доход (например, от платформы или клиента)
✅ Вы подключаете поток через Huma
✅ Протокол анализирует данные и выдает заём
✅ Погашение идёт автоматически из поступлений
💡 Примеры:
— Gig workers (фрилансеры, курьеры)
— Платформы с тысячами выплат (Uber, Deel, Amazon seller и т.д.)
— Компании с крупными контрагентами, где оплату приходится ждать 30–90 дней
📊 Почему это важно:
— Финансирование без продажи активов
— Быстрый доступ к ликвидности
— Работающая модель, привычная в TradFi (factor-инструменты), теперь в Web3
🟧 Это один из реальных кейсов, где RWA = доход сегодня, а не “потенциальная доходность”.
💬 Вопрос:
Стоит ли расширять такую модель на крипто-фриланс и DAO-команды?
Пишите своё мнение 👇
$HUMA
#HUMA #PayFi #DeFi #RWA
Одна из фишек HUMA — это кредиты, обеспеченные дебиторской задолженностью.
То есть вы можете получить финансирование под ожидаемые платежи — зарплату, фриланс, B2B-контракты.
🔍 Как это работает:
✅ У вас есть стабильный доход (например, от платформы или клиента)
✅ Вы подключаете поток через Huma
✅ Протокол анализирует данные и выдает заём
✅ Погашение идёт автоматически из поступлений
💡 Примеры:
— Gig workers (фрилансеры, курьеры)
— Платформы с тысячами выплат (Uber, Deel, Amazon seller и т.д.)
— Компании с крупными контрагентами, где оплату приходится ждать 30–90 дней
📊 Почему это важно:
— Финансирование без продажи активов
— Быстрый доступ к ликвидности
— Работающая модель, привычная в TradFi (factor-инструменты), теперь в Web3
🟧 Это один из реальных кейсов, где RWA = доход сегодня, а не “потенциальная доходность”.
💬 Вопрос:
Стоит ли расширять такую модель на крипто-фриланс и DAO-команды?
Пишите своё мнение 👇
$HUMA
#HUMA #PayFi #DeFi #RWA
ترجمة
Devletlerden bağımsız para taşıyabilmek ve ihtiyacın olduğunda harcayabileceğin noktaların olması gerekli, şimdilik her market ve restoranda geçmesini beklemiyoruz, ama turist olarak gideceğin yere yanında paranı da taşıyabilmelisin, istediğinde harcayabilmelisin değil mi?
Priştine Uluslararası Havalimanı'nda sınır polisi, Londra'dan gelen bir yolcunun cüzdanında 9.500 sterlinden fazla nakit para bulunduğunu açıkladı. Polis, yürürlükteki mevzuata göre yolcunun üzerinde taşıdığı miktarın belirlenen sınırı aştığını ve bu nedenle paranın yüzde 25'ine el konulduğunu duyurdu.
@Circle USDC
@Binance Global Türkçe
$BTC
$ETH
Priştine Uluslararası Havalimanı'nda sınır polisi, Londra'dan gelen bir yolcunun cüzdanında 9.500 sterlinden fazla nakit para bulunduğunu açıkladı. Polis, yürürlükteki mevzuata göre yolcunun üzerinde taşıdığı miktarın belirlenen sınırı aştığını ve bu nedenle paranın yüzde 25'ine el konulduğunu duyurdu.
@Circle USDC
@Binance Global Türkçe
$BTC
$ETH
ترجمة
$HUMA proje şu 1.25 K satışları durdurduğunda yükseliş için bir engel kalmaz. Yeni sirküle edilen koinlerin düşmesi normal ama çıkışı yakalaması için gereken ivme, unutmayın bu insancıklar tarafından sağlanacak. Yarın yokmuş gibi satış yapmaya devam ederseniz, bezdirdiğiniz primatlar bir daha size güvenmez... 👍
Projenin ilk desteğini sağlayan ana yatırımcılara karşı mı işlem yapıyoruz, nedir? Onlar satıp kurtulacak proje küçük yatırımcının eline mi kalacak..?
$BNB
$SOL
#BinanceAlphaAlert
#BinanceTürkiye
#HumaYield
#Payfi
Projenin ilk desteğini sağlayan ana yatırımcılara karşı mı işlem yapıyoruz, nedir? Onlar satıp kurtulacak proje küçük yatırımcının eline mi kalacak..?
$BNB
$SOL
#BinanceAlphaAlert
#BinanceTürkiye
#HumaYield
#Payfi
ترجمة
如果你相信PayFi是這輪週期的潛力賽道，或許該了解Morph Black Card
近期Morph Black Card的推出，為PayFi賽道博取大量關注度。
30%收益、空投分配、22g黑金卡+機場貴賓室、線下聚會活動門票，賦能範圍從鏈上到現實。
筆者認為，Morph Pay黑卡，將使得PayFi項目競爭更加白熱化，或許還會成為一個領先範例。
如果你還不了解相關資訊，簡單說明：
Morph是甚麼？
Morph是一條Ethereum L2，目標是成為消費級公鏈，Morph Pay為旗下的PayFi產品線。
Morph生態包含DeFi、Social、GameFi的dApps，Morph鏈本身尚未發幣，根據官方資訊，將會保留一定比例空投份額給予Morph Pay使用者。
*Morph融資背景亮眼，投資方包含VC、交易所、區塊鏈媒體等，具有不錯的空投期望
Morph Black Card有什麼福利？
目前黑卡以NFT形式存在，總量為3000張，當前地板價約1 $ETH 。
根據社群管理的說明，預計Q2完成KYC，Q3發行實體卡。
這邊筆者簡單區分一下福利種類：
1.鏈上收益
30%收益Morph及其生態項目空投分配
2.區塊鏈活動
Morph、Foresight Eews、Foresight Ventures、The Block，所舉辦的活動門票Morpho及其合作交易所的VIP聚會
3.現實福利
22g 黑金實體卡免年費1%消費返現高達一百萬美元上限的加密貨幣轉法幣服務轉換費0.3%機場貴賓室使用、高端飯店折扣
為什麼Morph Black Card能脫穎而出？
在兼顧收益及實用性的基礎之上，打破Web3、Web2的藩籬，才是PayFi賽道的勝出方式。
對於想博取回報的人：30%收益極具吸引力，而Morph未發幣的敘事預期更起到推波助瀾的效果。對於想聚焦現實體驗的人：Web3活動與聚會的參與權、類似傳統金融體驗的返現及黑金卡等。對於需要出金、消費的人：不管是轉換上限、費率，都能消弭特定族群進行大額轉法幣的困難。
當然，對Web3用戶而言，最引人注目的應該是30%收益及空投回報。
根據筆者查閱相關資訊，Foresight News文章報導提到，30%收益將會來自於DeFi協議，因此或許我們可以視為「Morph Pay替用戶代操資產的財富管理服務」？
另外則是空投回報，可以觀察目前Morph生態比較活躍的DEX來評估，分別是Bulba Swap以及Momodrome，兩者都正在進行積分活動。
總結
綜覽市場已有或正在發展的PayFi專案，似乎都還難以像Morph這般整合眾多資源並推出具有競爭力的福利。
有的專案僅能達成發卡的目的，有的專案則是勉強端出還可以的收益，要像Morph Black Card這麼完整且有吸引力似乎並不容易。
另外，除了以上提到的賦能，自從Morph Black Card發行後，官方就陸續上了針對持有者的活動，整理如下：
BulBaSwap bAI空投(約55U)Cudis Ring黑金戒指(Cudis官網戒指一枚超過300U)
並且昨日(4/8)官方公告表示Morph Black Card NFT質押即將上線！
對於這樣一個具有鏈上收益能力，又有現實應用場景的工具，你有什麼看法呢？
歡迎可以在下方留言討論！(很期待其他人拿Solana Saga or Seeker手機進行對比分析)
------------------------
※Morph code：
AT4MPQ
※以上內容皆不構成投資建議，請用戶根據自身的風險承受能力進行操作，DYOR謹慎參與投資市場。
※附圖取自Morph、Morph Pay
#Morph #Airdrops #payfi #风险回报比 $ETH
30%收益、空投分配、22g黑金卡+機場貴賓室、線下聚會活動門票，賦能範圍從鏈上到現實。
筆者認為，Morph Pay黑卡，將使得PayFi項目競爭更加白熱化，或許還會成為一個領先範例。
如果你還不了解相關資訊，簡單說明：
Morph是甚麼？
Morph是一條Ethereum L2，目標是成為消費級公鏈，Morph Pay為旗下的PayFi產品線。
Morph生態包含DeFi、Social、GameFi的dApps，Morph鏈本身尚未發幣，根據官方資訊，將會保留一定比例空投份額給予Morph Pay使用者。
*Morph融資背景亮眼，投資方包含VC、交易所、區塊鏈媒體等，具有不錯的空投期望
Morph Black Card有什麼福利？
目前黑卡以NFT形式存在，總量為3000張，當前地板價約1 $ETH 。
根據社群管理的說明，預計Q2完成KYC，Q3發行實體卡。
這邊筆者簡單區分一下福利種類：
1.鏈上收益
30%收益Morph及其生態項目空投分配
2.區塊鏈活動
Morph、Foresight Eews、Foresight Ventures、The Block，所舉辦的活動門票Morpho及其合作交易所的VIP聚會
3.現實福利
22g 黑金實體卡免年費1%消費返現高達一百萬美元上限的加密貨幣轉法幣服務轉換費0.3%機場貴賓室使用、高端飯店折扣
為什麼Morph Black Card能脫穎而出？
在兼顧收益及實用性的基礎之上，打破Web3、Web2的藩籬，才是PayFi賽道的勝出方式。
對於想博取回報的人：30%收益極具吸引力，而Morph未發幣的敘事預期更起到推波助瀾的效果。對於想聚焦現實體驗的人：Web3活動與聚會的參與權、類似傳統金融體驗的返現及黑金卡等。對於需要出金、消費的人：不管是轉換上限、費率，都能消弭特定族群進行大額轉法幣的困難。
當然，對Web3用戶而言，最引人注目的應該是30%收益及空投回報。
根據筆者查閱相關資訊，Foresight News文章報導提到，30%收益將會來自於DeFi協議，因此或許我們可以視為「Morph Pay替用戶代操資產的財富管理服務」？
另外則是空投回報，可以觀察目前Morph生態比較活躍的DEX來評估，分別是Bulba Swap以及Momodrome，兩者都正在進行積分活動。
總結
綜覽市場已有或正在發展的PayFi專案，似乎都還難以像Morph這般整合眾多資源並推出具有競爭力的福利。
有的專案僅能達成發卡的目的，有的專案則是勉強端出還可以的收益，要像Morph Black Card這麼完整且有吸引力似乎並不容易。
另外，除了以上提到的賦能，自從Morph Black Card發行後，官方就陸續上了針對持有者的活動，整理如下：
BulBaSwap bAI空投(約55U)Cudis Ring黑金戒指(Cudis官網戒指一枚超過300U)
並且昨日(4/8)官方公告表示Morph Black Card NFT質押即將上線！
對於這樣一個具有鏈上收益能力，又有現實應用場景的工具，你有什麼看法呢？
歡迎可以在下方留言討論！(很期待其他人拿Solana Saga or Seeker手機進行對比分析)
------------------------
※Morph code：
AT4MPQ
※以上內容皆不構成投資建議，請用戶根據自身的風險承受能力進行操作，DYOR謹慎參與投資市場。
※附圖取自Morph、Morph Pay
#Morph #Airdrops #payfi #风险回报比 $ETH
ترجمة
質押Morph Black Card? 買Platinum Card? 簡單讀懂！
4/10，Morph上線Black Card質押功能，截至目前(4/13)，總量三千張的黑卡已有1033張(約佔34%)完成鎖倉。
如果你還在猶豫，筆者幫你整理目前的黑卡質押者能獲得的額外權益，如下圖：
需要注意的是，Black Card本身即有Morph Pay使用者的Morph代幣分配！
上表列出的代幣空投，則是因為質押黑卡後能獲得免費鑄造Platinum Card SBT的權益，等於能再額外吃到白金卡的代幣空投份額。
*需於4/20 23:59 UTC+8 前完成黑卡質押才能獲得白金卡 SBT免費鑄造資格
這時，黑卡持有者可能就有疑問，那我有黑卡還需要買白金卡嗎？
筆者認為，透過質押黑卡贈送的白金卡 SBT鑄造機會，基本已能滿足個人權益需求。
但如果你是基於套利考量，由於白金卡鑄造價0.3 $ETH 是基於Morph FDV 5億所設定，因此筆者認為這取決於以下幾點：
Morph FDV 估值是否符合你的預期潛在的套利機會是否大於成本資金占用的時間是否符合效益
儘管一個帳戶最多可以購買多達100枚，但未知的代幣空投時間、代幣價格，都會影響最終的收益。
有趣的是，由於鑄造是以ETH定價，因此ETH的幣價或許也可以列入考量因素。
總結
筆者本身是黑卡持有者，我認為要獲得整個Morph生態的exposure，持有黑卡絕對是不二選擇。(相同概念可以用Solana Saga手機之於Solana鏈來思考)
儘管本次白金卡發售造成不小討論，但Morph要完成消費級公鏈的願景，確實需要推出不同層級的卡片推展更廣闊的服務普及度。
產品發行須考量的細節很多，但Web3的好處就在於社群與團隊的距離可以拉得很近，在一次次的溝通與調整中找到最適合的解方。
----------------------------------------
※ 以上內容純屬個人分享，皆不構成投資建議(NFA)，請用戶做好DYOR自行評估個人風險承受能力。
※附圖取自Morph
#交易心理学 #Morph #Airdrops #payfi $ETH
如果你還在猶豫，筆者幫你整理目前的黑卡質押者能獲得的額外權益，如下圖：
需要注意的是，Black Card本身即有Morph Pay使用者的Morph代幣分配！
上表列出的代幣空投，則是因為質押黑卡後能獲得免費鑄造Platinum Card SBT的權益，等於能再額外吃到白金卡的代幣空投份額。
*需於4/20 23:59 UTC+8 前完成黑卡質押才能獲得白金卡 SBT免費鑄造資格
這時，黑卡持有者可能就有疑問，那我有黑卡還需要買白金卡嗎？
筆者認為，透過質押黑卡贈送的白金卡 SBT鑄造機會，基本已能滿足個人權益需求。
但如果你是基於套利考量，由於白金卡鑄造價0.3 $ETH 是基於Morph FDV 5億所設定，因此筆者認為這取決於以下幾點：
Morph FDV 估值是否符合你的預期潛在的套利機會是否大於成本資金占用的時間是否符合效益
儘管一個帳戶最多可以購買多達100枚，但未知的代幣空投時間、代幣價格，都會影響最終的收益。
有趣的是，由於鑄造是以ETH定價，因此ETH的幣價或許也可以列入考量因素。
總結
筆者本身是黑卡持有者，我認為要獲得整個Morph生態的exposure，持有黑卡絕對是不二選擇。(相同概念可以用Solana Saga手機之於Solana鏈來思考)
儘管本次白金卡發售造成不小討論，但Morph要完成消費級公鏈的願景，確實需要推出不同層級的卡片推展更廣闊的服務普及度。
產品發行須考量的細節很多，但Web3的好處就在於社群與團隊的距離可以拉得很近，在一次次的溝通與調整中找到最適合的解方。
----------------------------------------
※ 以上內容純屬個人分享，皆不構成投資建議(NFA)，請用戶做好DYOR自行評估個人風險承受能力。
※附圖取自Morph
#交易心理学 #Morph #Airdrops #payfi $ETH
ترجمة
Proyecto Cripto Huma Finance: Un Puente entre Ingresos del Mundo Real y las Finanzas Descentralizadas
Huma Finance es un protocolo de finanzas descentralizadas (DeFi) que emerge como pionero en el sector "PayFi" (Payment Financing o Finanzas de Pagos). Su propuesta central y más innovadora es la de permitir a individuos y empresas utilizar sus ingresos futuros y cuentas por cobrar del mundo real como garantía para acceder a crédito en la blockchain.
En esencia, el proyecto busca resolver un problema fundamental en DeFi: la alta dependencia de criptoactivos como colateral, lo que excluye a una gran parte de la población que no posee estos activos pero sí cuenta con ingresos recurrentes. Huma Finance se propone tokenizar estos flujos de ingresos futuros, como salarios o facturas, convirtiéndolos en activos verificables en la cadena que pueden ser utilizados para obtener liquidez de forma instantánea.
El proyecto opera como una red que conecta a prestatarios (quienes necesitan el crédito), proveedores de capital (quienes ofrecen la liquidez), suscriptores (que evalúan el riesgo) y plataformas, todo a través de contratos inteligentes. Construido principalmente sobre la blockchain de Solana para aprovechar su alta velocidad y bajos costos, Huma Finance facilita transacciones globales y liquidaciones 24/7 utilizando stablecoins.
Características Principales y Funcionamiento
Garantía Basada en Ingresos: A diferencia de los préstamos DeFi tradicionales, Huma no requiere que los usuarios depositen criptomonedas. En su lugar, analiza datos fuera de la cadena (off-chain) para evaluar el riesgo crediticio y la viabilidad de los ingresos futuros del solicitante.
Liquidez en Tiempo Real: La plataforma está diseñada para ofrecer acceso instantáneo a los fondos, eliminando los largos tiempos de espera asociados a los sistemas financieros tradicionales
#payfi #Tokenization #finanzas #defi #HumaFinance @Huma Finance 🟣 $HUMA
Huma Finance es un protocolo de finanzas descentralizadas (DeFi) que emerge como pionero en el sector "PayFi" (Payment Financing o Finanzas de Pagos). Su propuesta central y más innovadora es la de permitir a individuos y empresas utilizar sus ingresos futuros y cuentas por cobrar del mundo real como garantía para acceder a crédito en la blockchain.
En esencia, el proyecto busca resolver un problema fundamental en DeFi: la alta dependencia de criptoactivos como colateral, lo que excluye a una gran parte de la población que no posee estos activos pero sí cuenta con ingresos recurrentes. Huma Finance se propone tokenizar estos flujos de ingresos futuros, como salarios o facturas, convirtiéndolos en activos verificables en la cadena que pueden ser utilizados para obtener liquidez de forma instantánea.
El proyecto opera como una red que conecta a prestatarios (quienes necesitan el crédito), proveedores de capital (quienes ofrecen la liquidez), suscriptores (que evalúan el riesgo) y plataformas, todo a través de contratos inteligentes. Construido principalmente sobre la blockchain de Solana para aprovechar su alta velocidad y bajos costos, Huma Finance facilita transacciones globales y liquidaciones 24/7 utilizando stablecoins.
Características Principales y Funcionamiento
Garantía Basada en Ingresos: A diferencia de los préstamos DeFi tradicionales, Huma no requiere que los usuarios depositen criptomonedas. En su lugar, analiza datos fuera de la cadena (off-chain) para evaluar el riesgo crediticio y la viabilidad de los ingresos futuros del solicitante.
Liquidez en Tiempo Real: La plataforma está diseñada para ofrecer acceso instantáneo a los fondos, eliminando los largos tiempos de espera asociados a los sistemas financieros tradicionales
#payfi #Tokenization #finanzas #defi #HumaFinance @Huma Finance 🟣 $HUMA
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