以前我玩 DeFi,脑子里都是:质押、借贷、挖矿,年化多少、锁多久。
结果回到现实,一到月底付房租、还信用卡、朋友找我拼单转账,这些最日常的“钱来钱往”,链上几乎帮不上忙。
直到后来我接触到 PayFi 这个概念。
Lily Liu 提出来的,就是一句话:别再光盯着“存着不动的钱”,而是把“在路上的钱、时间差里的钱”变成价值。
这就很日常了,比如工资在发放路上、客户的回款在结算路上、小商家账期里的那段空窗。
Solana 生态现在是推 PayFi 最猛的一批,因为便宜又快,特别适合高频小额的进出。
再往里看,你就会发现@humafinance 其实已经在干一件很接地气的事:
一头接着你 Web2 世界里真实的收入、账单和流水,
一头接着 Solana 链上的流动性和资金池,
把“还没到手的钱”,尽量往“现在能用的钱”转,只要你的信用和现金流够真实。
所以为啥现在这么多人盯@humafinance?
因为它不是在教你怎么玩更复杂的 DeFi,而是试图把链上这套东西,
真正接到每个人的日常支付、收款、账期和现金流里去。
当你有一天发现,自己不用再为了几天账期到处拆东墙补西墙,那大概率背后就会有一类 PayFi 协议在悄悄运转。
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