PayFi Deep Dive With Huma and Solana | Fully Diluted with Messari Research | Unqualified Opinions

18 snips

Feb 12, 2025

Guest

Richard Liu

Guest

Lily Liu

Richard Liu, Co-founder and Co-CEO of Huma Finance, and Lily Liu, President of Solana Foundation, share their insights on the future of PayFi. They discuss how decentralized finance is transforming cross-border payments and enhancing financial access. The conversation highlights the role of stablecoins in this evolution and the innovative ARF project, which aims to streamline international money transfers. They also touch on the increasing institutional interest in Solana, offering a glimpse into the future of finance and upcoming resources for developers.

Ask episode

AI Snips

Chapters

Transcript

Episode notes

INSIGHT

PayFi Is More Than Payments

PayFi extends beyond payments into payment financing as a new financial primitive on blockchain.
It unifies isolated projects to transform real-world financial impact with on-chain financial products.

ANECDOTE

Traditional Banks Miss Digitized Lending

Richard Liu shared how traditional banks reject lending to his previous high-volume payment financing business.
Tokenizing assets on-chain allows global investors to access such financing opportunities previously limited to wealthy investors.

INSIGHT

PayFi Infrastructure Stack Explained

PayFi infrastructure includes blockchain layer, stablecoins, custodian and compliance, financing and tokenization, and distribution layers.
This stack enables diverse applications like credit cards, trade financing, and cross-border payments to flourish.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

Join Messari's CEO, Eric Turner, alongside Richard Liu (Co-Founder & Co-CEO of Huma Finance) and Lily Liu (President of Solana Foundation) as they explore the transformative potential of PayFi in crypto and traditional finance.

Discover how decentralized finance is reshaping cross-border payments, payment financing, and real-world financial applications. Learn why PayFi is more than just fast and cheap transactions—it's the future of a global, decentralized financial ecosystem.

Read the full PayFi report:

The Fully Diluted Podcast with Messari Research brings you insightful, no-hype takes on what actually drives value in crypto. Subscribe to get weekly episodes with the best builders and researchers in crypto.

00:30 Intros

09:35 PayFi

17:33 Solana

26:23 Arf

34:39 Future

Hosted by Eric Turner of Messari

Follow Messari on Twitter: https://twitter.com/MessariCrypto

Follow Unqualified Opinions on Spotify: https://open.spotify.com/show/0uG5qpwFg67zTt0VQRTaZ7?si=13163cbebe01415e

Follow Unqualified Opinions on Apple Podcasts: https://podcasts.apple.com/us/podcast/messaris-unqualified-opinions/id1455666979

____

This episode and its contents do not necessarily reflect the opinions of Messari, Inc. Hosts and guests may hold cryptocurrencies discussed in this content. This content is meant for informational purposes only. It is not meant to serve as investment advice. You should conduct your own research, and consult an independent financial, tax, or legal advisor before making any investment decisions. Nothing contained in this content is a recommendation or suggestion, directly or indirectly, to buy, sell, make, or hold any investment, loan, commodity, or security, or to undertake any investment or trading strategy with respect to any investment, loan, commodity, security, or any issuer. This content should not be construed as an offer to sell or the solicitation of an offer to buy any security or commodity. Messari does not guarantee the sequence, accuracy, completeness, or timeliness of any information provided in this content.