Summarize my thoughts on some of the recent popular projects.

The project is definitely a necessity in the payment field. Friends who have worked in payments know how thick the profits are in this area. To be honest, this is more reliable than most DEFI at the underlying level!

However, a 10% APY may be sustainable during a bear market, but if the market warms up, will it relatively weaken the ability to raise funds? Especially after the TGE, the reliance of users on the protocol, after all, the users currently participating are not only trying to make some money in the bear market, but also have expectations of token issuance.

However, as a project, it may have already achieved fundraising through traditional channels, without needing to rely on the low engagement of the cryptocurrency community for fundraising.

In addition, the entire business still relies on off-chain operations, which is the only risk exposure here. One can only trust project parties with good matching relationships and high credibility, after all, Huma is merely a bridge for funding parties and not the underlying payment infrastructure.

If everyone is based on the U-based strategy, I think Huma is still quite good, at least you know whose money you are actually earning.

My own thoughts on the project are just an analysis of the long-term and positioning of the project from the perspective of an entrepreneur.