I personally enjoy content creation and love to share things.

In 2018, I entered the crypto world through an early blockchain project - Blockcity. By learning, I became aware of blockchain, Bitcoin, Satoshi Nakamoto... and everything about the crypto world. For me, this was a cognitive upgrade.

At that time, the Chinese blockchain content creation scene was also booming, with many blockchain content creation platforms emerging like mushrooms after rain. Bihu was one of the leaders, and through sharing my creations, I earned my 'first pot of gold' in the crypto world. To this day, many KOLs from Bihu are still active on X, such as TVB's number one sister @blockTVBee .

In 2022, after Bihu shut down due to regulatory reasons, I 'mingled' in the GameFi world for three years, until the InfoFi trend led by Kaito emerged, allowing me to once again feel that ‘the industry is about to switch narratives’. I believe many people, like me, started paying attention to Huma from Kaito.

To be honest, at first, Huma did not catch my attention too much; there were too many projects on the Kaito list, overwhelming my choices, and I kept calculating how to 'want it all'.

Later, under the strong recommendation of Mr. Niuke, I began to pay serious attention to Huma, continuously learning about PayFi, tracking any information related to Huma on social media and in communities, and gradually focused at least half of my creative energy on Huma until I joined the Huma Content Academy.

There is a hint requirement in this 'assignment' from the Content Academy:

Why do you choose to stay? Why are you here?

There are two reasons why I have continued to stay and build here without needing grandiose explanations.

Yield + Development Prospects.

▌ Yield

Huma's yield is also among the best in the DeFi industry. The following is a comparison of yields:

Currently, the yield of Huma Prime has already declined. I remember when it was first launched, with the support of the OG badge and Vanguard badge, the yield could soar above 30%, and the pool would quickly fill up. 'No time to waste' was the norm.

Compared to local bank deposit rates, it's truly disheartening—one-year deposit rates are a pathetic 1.1%, and even five years ago, it was only around 4%. The gap speaks for itself.

More importantly, Huma's high yield is not generated by releasing more tokens, but is supported by real-world actual earnings. The most typical example is clients with cross-border payment needs paying interest through loan financing. These are tangible real earnings. Therefore, the high yield provided by Huma is not an 'illusion' or a 'mirage', but real gold and silver that can be seen, touched, and taken—this is also the reason I have always held and remained optimistic about PST.

Additionally, regarding PST, I have a suggestion: gradually optimize away the Maxi model.

With Prime, Maxi seems somewhat redundant and less appealing. Moreover, currently, Maxi's yield is already far lower than Prime, even lower than Classic's yield.

The positioning of the Maxi model is gradually becoming blurred. I suggest considering optimizing it away to make the product system clearer.

▌ Development Prospects

I want to illustrate the development prospects through the growth of PayFi and the Huma team.

First, it's about the development of PayFi.

Although the concept of PayFi was not proposed by Huma, Huma has pushed the development of PayFi to a whole new level.

I believe there is no need to explain what PayFi is with dry financial terminology. Just remember what Erbil said on CatLumpurr: PayFi is Freedom—you have the right to choose your trading layer, currency layer, cost layer, financing layer, and compliance layer while freely transferring funds globally.

The concept of PayFi was born in 2024, but it truly became a hot trend and the year of landing in 2025. That year, PayFi rapidly transitioned from concept to reality: multiple summits held, mainstream adoption accelerated, projects and data exploded, and community and media consensus formed, all indicating that PayFi is not just a narrative but has real application scenarios.

Next, in 2026, PayFi will enter a stage of scaling and mainstream development. The entire ecosystem will inevitably become more prosperous and explosive. In the following years, T+0 will gradually become a necessity, which may mean PayFi will capture a market of hundreds of billions of dollars in global payments!

Therefore, PayFi does not lack a market and development prospects; what it lacks is a project and team, which is also what I will talk about next regarding the Huma team.

Huma is the kind of project that the more you understand it, the 'deeper you fall' into it. Why?

Firstly, there are many handsome and beautiful members in the Huma team. Sorry, I like to look at faces. 😼

The Huma team has about 40 members, many of whom are handsome and beautiful, such as Erbil, Alex, Avni, JC, Jessica Cao... each one is a visual representative that makes it hard to resist! 🤩

Speaking of the Huma team, of course, we cannot omit co-founder Richard.

To be honest, after such a long time of understanding and communication, what impresses me most about Richard is his full commitment to Huma and his long-term planning for the development of PayFi.

I don’t know how many people have read Richard’s heartfelt words published on the first day of the Chinese Lunar New Year regarding Huma, value creation, and the crypto ecosystem. His emotions are profound, and his words are earnest. I strongly recommend everyone to read it carefully.

Richard looks far into the future, striving to make Huma a project that can transcend cycles. He does not just say this but has been doing it continuously. Even in the face of the crypto industry's general shortsighted behavior and chaos, he remains confident in his judgment, adheres to his own pace and rhythm, and is willing to invest 10 years to build it!

Richard and the Huma team's confidence comes from their innovative DNA and real profitability, combined with the support of community users and collaboration with top partners. Even in the face of the darkest moments, they still remain hopeful.

As Richard said, PST and Defensive Looping™ are just appetizers; the main course is yet to come. It is speculated to be PayFi for Agents because AI is the trend and the path that must be taken.

Investment is also about investing in people. With founders who have such ambition, Huma's development prospects are undoubtedly promising. Choosing Huma means the probability of losing everything is lower, while the probability of success is higher!

Ordinary users should really consider Richard's advice seriously:

Allocate 1% or even 10% of your position to truly recognized 'long-term projects', like Huma.

The rest is left to time, patience, and the Huma team.

This is the reason I have long chosen Huma.

My story with Huma is to be continued...