fundraising-project-date-amount

Circle, valued at $9 billion, is one of the largest companies in the crypto industry. This article is a full list of Circle Ventures investments from 2023 to the present.

This week, the crypto market has generally risen, with Ethereum and the AI sector increasing by over 20%. Movement's price collapsed due to controversy over its market-making protocol, prompting regulatory reflections in the industry. At the same time, AI and payment finance are developing rapidly, with related policies having a profound impact on the market. In the future, a balance must be found between compliance and innovation.

The innovation of financial technology is revolutionizing traditional payment methods. Huma Finance has proposed a novel PayFi model that cleverly combines real-world payment systems with Decentralized Finance (DeFi) technology. This model utilizes stablecoins (such as USDT) as a payment medium, which not only enhances the stability and security of financial transactions but also increases the transparency of the DeFi ecosystem. One major advantage of the PayFi model is that it significantly lowers the threshold and costs for traditional financial institutions to participate in Decentralized Finance (DeFi). This innovative integration is expected to reshape the global payment landscape, providing users with a more efficient and convenient financial experience. By eliminating intermediaries, PayFi may accelerate financial inclusion, allowing more people to easily access financial services. However, this emerging model also faces challenges in regulation and technology. How to ensure transaction security while maintaining user privacy, and how to address potential cross-border payment issues are all topics that need further discussion. With the development of the PayFi model, we may be witnessing a silent financial revolution. This innovation is not just a technological advancement, but a profound transformation of the traditional financial system. In the future, we might see more projects similar to Huma Finance emerging, further driving the digital transformation of the financial sector.

In the Blockchain finance sector, Huma Finance is garnering widespread attention with its innovative PayFi network concept. The uniqueness of this project lies in its clever integration of payment and financing, creating a system that directly interfaces with real-world income streams. Huma's core advantage lies in breaking the limitations of traditional cryptocurrency lending models. Users can use future income streams, such as salaries, invoices, or remittances, as collateral to obtain financing. This model greatly expands the channels through which ordinary people can access financing, allowing those with stable incomes but lacking traditional collateral to enjoy convenient financing services. From a technical perspective, Huma adopts a three-layer Blockchain protocol architecture. It utilizes Solana's high-performance transaction layer for instant settlement, reduces exchange rate risk through the integration of stablecoins, and employs on-chain credit certificates in the financing layer to activate funds. This architectural design not only improves efficiency but also somewhat integrates the functions of banks, payment institutions, and factoring companies. Huma's actual operating data is also quite impressive. According to reports, the platform has processed over $3.8 billion in transactions and achieved a record of zero credit defaults. The Huma 2.0 version launched in April 2025 has further opened up a permissionless model, greatly increasing the participation of ordinary users, with the number of deposit users growing ninefold in just one month. $HUMA token plays an important role in the Huma ecosystem. As a governance token, it gives holders the power to participate in protocol decision-making, including important matters such as liquidity allocation and ecological incentives. At the same time, it is also an incentive tool used to reward liquidity providers, ecological partners, and community contributors. With the rise of the PayFi concept and the continuous improvement of the Huma ecosystem, the development prospects of this project are worth looking forward to. However, investors should remain cautious when considering participation and fully assess the risks. Huma Finance undoubtedly represents a new direction in Blockchain financial innovation, but its long-term success still requires further validation from the market.

Recently, a project named Huma has attracted widespread attention in the Web3 field. The core idea of this project is to transform real-world income flows into on-chain assets, pioneering a brand new financing model. Huma's innovation lies in its PayFi model, which allows users to use future certain income as credit collateral to obtain financing directly on-chain. This approach not only avoids the common token staking found in traditional DeFi but also provides freelancers and small businesses with more flexible financing options. Essentially, Huma is attempting to address the real-world issue of payment terms. By recording income on-chain, users can monetize future cash flows, alleviating short-term liquidity pressure. This 'cash flow-based credit' model can be said to have brought the concept of accounts receivable financing from traditional finance onto the blockchain. Recently, Huma has launched a series of new initiatives, including the rollout of staking activities and a points system. At the same time, the project team is actively connecting with the AI and RWA (real-world assets) ecosystem, trying to bring real-world financial data on-chain. Although Huma's success remains to be tested by time, its approach focused on solving real needs is undoubtedly worth following. In the current cryptocurrency market, projects that can truly solve practical problems often have greater potential and value. Huma is trying to become such a project, bringing new possibilities to the DeFi space. As the project progresses further, we will be able to see more clearly whether the PayFi model can establish itself in the Web3 financial sector and how it will impact the future decentralized financial ecosystem.