📰 #AibitDaily Update📰

PayFi Ecosystem Overview

🌐 #PayFi (Payment Financing) leverages a six-layer infrastructure stack to tackle inefficiencies in global payment finance, enabling innovative on-chain solutions for cross-border payments, credit, and trade finance. Here’s the summary:

🟢 #Stablecoin Growth

2024 stablecoin market cap grew from $130B to $204B.
Monthly transfer volume surged from $1T to $2.6T, with $USDC leading in high-frequency transactions.

🟢 Emerging Use Cases

T+0 Settlement: Real-time transaction settlement using liquidity pools, cutting delays in cross-border payments.
#DePIN Financing: Supporting decentralized hardware networks like #Roam, with mining rewards repaying loans.

🟢 Transaction Foundations

#Solana: High throughput & low costs make it a top choice for on-chain payments.
#Stellar: Fast settlements & tokenized assets for global transactions.

🟢 Key Applications

#Rain: #USDC-backed corporate credit cards tailored for #Web3 teams.
#Arf: On-chain short-term financing to resolve cross-border pre-funding issues.
#Helio: Instant payments for e-commerce and creators with low fees.

🟢 Future Outlook

2025 Focus: Expand T+0 use cases, enhance market education, and adapt to global #stablecoin regulations.
Major conferences like #Token2049 will accelerate adoption and innovation.

🚀 #PayFi is transforming global payments with #blockchain and #stablecoins, offering efficient, scalable financial solutions for businesses and individuals alike.

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