🚢 Huma Launches Transparent APY System

The **PayFi Summit Singapore** wrapped up successfully, bringing together leaders from traditional finance, DeFi, and PayFi sectors. Key highlights: - Industry experts explored how **on-chain finance is reshaping global payments** and liquidity - Event featured discussions on the convergence of different financial sectors - Major sponsors included Circle, DigiFT Tech, Interlace Money, Obita, and 3World Global **Full event videos** will be released soon on YouTube for those who missed the live sessions. The summit was part of TOKEN2049 week in Singapore, focusing on the future of payment finance and stablecoin adoption.

**New $10K $ZEUS Reward Pool** launched for top 10 depositors in partnership with Zeus Network. **Key Features:** - Borrow using Bitcoin as collateral - Earn real yield plus $ZEUS tokens - Integration with Zeus Network's zBTC ecosystem **How it Works:** - Mint/swap $zBTC via Apollo BTC portal - Deploy on Kamino Finance or Drift Protocol - Borrow USDC at ~6% APY - Deposit on Huma 2.0 for 10% APY + 10% Feathers boost This **PayFi x BTCFi** collaboration unlocks sustainable yield for zBTC holders through real-world payment backing.

**PST token achieves massive adoption** with 86K+ holders while traditional RWA assets from BlackRock and Ondo remain stuck at hundreds of holders. Key insights from RWA Singapore keynote: - **Retail vs institutional gap**: PST's community-driven approach significantly outperforms traditional asset tokenization - **PayFi innovation opportunities** emerging in three areas: - Looping mechanisms - Risk and liquidity management - Agentic payment systems **PayFi positioned as major driver** for stablecoin transaction volume growth, with potential for 1M+ volume increases. The contrast highlights how **community-focused tokenization** can achieve broader adoption than institutional approaches in the RWA space.

**Circle Payments Network (CPN) gains momentum** with major infrastructure updates and strategic partnerships. **Key developments:** - New **CPN Console** launches as self-serve hub for faster onboarding - **Travel Rule pre-checks** and automated reversals reduce friction - Expanded payout corridors in **Brazil, China, Colombia, Hong Kong, and Nigeria** **Game-changing partnership:** Huma and ARF join CPN as service providers, bringing **embedded USDC credit** to participants. This eliminates prefunding requirements that have long constrained cross-border payments. **Why it matters:** Financial institutions can now access **on-demand USDC credit** instead of locking up capital before transactions. This removes geographic and regulatory barriers to stablecoin access. **Coming soon:** - Programmable logic and chain-agnostic transfers - Smart contracts for automated payment conditions - Native Arc integration The network positions itself as **always-on rails** for the real economy, enabling faster, more efficient global payments infrastructure.