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《深入解读Huma Finance的亮点和挑战》 昨天参与了huma finance @humafinance @DrPayFi @Solana_zh 的AMA，总结了Huma的亮点和挑战 亮点 -解决真实世界的需求 -链上理财新渠道 -获得Solana基金的大力支持 挑战 - 资金端规模化问题 - 资产端规模化问题 - 借贷风险或降低公司估值 优势1⃣: 解决真实世界的需求 Huma确实解决了跨境支付公司的垫资问题，有实际的落地场景，并且已经有不少客户。 优势2⃣：链上理财新渠道 Human提供了10%左右的RWA理财，是对现有国债类型的RWA理财4%收益的重要补充。虽然风险更高，但是也是资产配置的一种方式。 优势3⃣: 获得Solana基金会的大力支持 Huma 是payfi赛道里面头部项目，而payfi又是solana重点发力的赛道，所以获得了Solana基金会的大力支持。这里要称赞一下Solana基金会和Solar @Solana_zh，对生态项目给予很多支持。 挑战1⃣: 资金端规模化问题 dune看板显示目前huma的2C的usdc存款是1400万美金，这个数字还是偏小的，不到aave的0.1%。和小贷科技公司比，这个体量也是非常小，比如乐信的在贷余额是150亿美金。我采访了社区几个用户，他们表示没有参加存款的原因是觉得有风险。所以Huma能否从链上获取低成本的大资金是有待考验的。 挑战2⃣: 资产端规模化问题 目前Huma主要资产是跨境公司的支付垫款，但是2B的业务是很难规模化的。因为每个客户都有不同的流程（包括风控/合规/技术对接/催收等），尤其在不同的国家和地区展开2B的业务，更加有挑战。以前互联网小贷公司能够规模化，是因为流程全部标准化，无论是1个用户，还是100万个用户，都可以通过1个标准流程完成。 挑战3⃣: 借贷风险或降低公司估值 Huma 业务里面lending比重比较大，而lending其实是个金融业务，有坏账和期限错配等问题。之前fintech公司在行业兴起的时候，估值很高，因为无论是VC还是创业者，认为fintech都是tech公司；但是随着行业的成熟，有金融业务的fintech公司逐渐被认为是finance公司，估值进行了大幅修正。另外，金融公司比科技公司承担更大的监管风险，之前著名的金融科技公司趣店从纽交所上市到不到一年时间跌80%就是因为监管政策的改变。 目前rwa赛道的$ondo 和 $plume 获得了较高估值，原因是$ondo主要是极低风险的国债RWA，而$plume主要是无风险的RWA Infra业务，而huma目前的业务形态恐怕无法获得类似的估值。如果参考小贷公司乐信，在贷余额是150亿美金，市值是11.5亿美金，差不多市值就是tvl的8%左右。 PS 自己参与了huma 2.0的存款，觉得叙事和赛道不错，有实际落地前景，但是业务规模化还有不少坑等团队去踩平 欢迎关注RWA 和Huma的朋友一起来讨论 @0x0xFeng @thecryptoskanda @starzqeth @BroLeonAus @0xNing0x @0x_Todd @Ice_Frog666666 @portal_kay @KuiGas

看Huma Finance创始人回复挺多挺专业，懂业务挺谦虚的。 团队什么增长主管倒是一堆似是而非的精英逻辑挺傲慢的。不过，你智商那么高，怎么还在打工？ 不过我群里什么UCLA，PKU，哥伦比亚，沃顿，清北复交什么名校的都有，都没你这么装逼啊！ 你智商高，倒是去亮个实盘赚个几M啊，我是真有3M盈利实盘的。 哥们你以为大投行一年拿个200K的年薪很牛逼？哥们，天才才是见我的门槛，你目前在这个圈子只是个屁。 我一周前在BP开的实盘都400K盈利了，智商高的妹子，你行吗？？？ 什么乱起八糟的投资人支持者也在从我个人生活去判断我动机？这不是纯畜生？我什么时候评价过币圈女了？哥们，我玩什么，是我自己赚钱我喜欢什么样的情感生活是我的自由，和我评价项目没鸡毛关系。 P2P当年在国内，你可以看到当时的团队，上至清北和海外QS50的团队创始人，业务模式从个人P2P借贷到贸易融资，各种高大上的业务模式和精英背书。风控能做到什么4S,8S甚至十几重安全保障。 违约率低到令人发指的低。 不用怀疑，就是有问题，最终99.99%的平台都无法兑付，全部大规模违约。万亿规模级别的违约，大概是次贷危机违约金额的一般左右。 我从来不相信什么传统金融业务可以支付给 融资额的10%以上的利息。如果可以，你的业务容量上限是多少？如果很高？ 那么完全可以引入外部融资，给的利息更低，为什么要上链给10%的利息？ 相反，一切逻辑全部可以倒推。 我不需要懂什么高尚大的业务逻辑。因为不符合所有的传统金融基础业务逻辑的东西，就是Fake，无一例外。 AAVE的稳定币能飙升20%的APR，我能看懂。 Funding Rate高峰时候30%APR，我能看懂。这是ENA的业务基础逻辑。 土矿3000%的APY，我也能看懂，这是要割你腰子呢。 然而，资金池黑箱业务逻辑，我看不懂，因为，你没有透明和去中心化。 你说破了天我也看不到东西，你证伪不了一点。区块链核心特点是去中心化，透明和不可逆。你有吗？ Sunlight is said to be the best of disinfectants （透明是最好的防腐剂) -Louis Brandeis

Union Minister for Finance and Corporate Affairs Smt. @nsitharaman during a fireside chat on the ‘Opportunities and challenges for India’s quest to become a developed economy by 2047’, at India House, London, today. The fireside chat was moderated by Lord @lordstern1, IG Patel Professor of Economics and Government and Chair of the Grantham Research Institute, LSE

Union Minister for Finance and Corporate Affairs Smt. @nsitharaman met Mr. Vindi Banga, Chairman, UK Government Investments (UKGI), in London, today. Shri Banga informed FM Smt. @nsitharaman about the project spectrum and their impact vis-a-vis the unique position and role of UKGI within the UK Government ecosystem. The Union Finance Minister acknowledged the benefits of having an in-house team with professional domain experts and appreciated the unique design of the UKGI, and welcomed the offer to sharing best practices with India in the sector.

Union Minister for Finance and Corporate Affairs Smt. @nsitharaman met Ms. Shriti Vadera, Chair of Prudential PLC @prudentialplc, in London, today. The Union Finance Minister mentioned the growth in insurance sector in India owing to the reforms in FDI policy, and emphasised on the need to focus on reinsurance and third party insurance in addition to health insurance and other products. FM Smt. @nsitharaman apprised Ms. Vadera of the opportunities in India’s maiden International Financial Services Centre @IFSCA_Official at @GIFTCity_ and encouraged @prudentialplc to explore deeper engagement with the ecosystem there, including in areas such a global reinsurance services as well considering GIFT City services for global fund management for investing in India. Ms. Vadera informed the Union Finance Minister about @prudentialplc's upcoming venture in the health insurance space in India and spoke about engaging more with @GIFTCity_ for exploring #investment# and fund management opportunities in India. FM Smt. @nsitharaman also underlined the potential areas for collaboration between UK and India, especially in the domain of #business# and #investments#, and also including private equity and venture capital investments, asset management and financial services and insurance. The interaction also involved discussions around the recent budget announcement including those related to supporting the expansion of India’s Global Capability Centres #GCCs#.

Union Minister for Finance and Corporate Affairs Smt. @nsitharaman interacts with Dame Patricia Hewitt, former Health Secretary of the UK and former Chair of the UK India Business Council @UKIBC, in London, today. https://t.co/fIjzzzsaqR

Sky（原 MakerDAO）及 Spark 协议向去中心化借贷协议 Maple Finance 的借贷池部署 2500 万美元资金，计划后续增至 5000 万美元，首批以每日 500 万美元的速度投入 syrupUSDC 池。Sky 表示，此举将 Sky Savings Rate 与 Maple 的现实资产收益引擎直接对接，旨在提升 USDS 质押者收益并深化 DeFi 及 RWA 领域布局，系迄今最大规模的协议间链上信贷资本部署之一。(TheBlock) https://t.co/fWvu4HC9Ox

Grok 3 Beta dominates on our proprietary benchmarks, setting the new SOTA on our Finance, Legal and Tax benchmarks. Congrats @xai @grok @elonmusk 🚀🚀🚀 We just released the benchmark results for xAI's new models: Grok 3 Beta & Grok 3 Mini Fast Beta (High & Low Reasoning) – this is what we found👇 (1/6)

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