How does Solayer's "Four Major Strategies" reconstruct the financial infrastructure of Solana?

Question

Looking back at what Solayer has done in the past six months, it seems quite scattered at first glance, from hardware-accelerated chains to liquidity staking, to real yield stablecoins, and then to on-chain debit cards. It seems to be aiming for a "unified financial infrastructure" and has long lost the purity of a high-performance layer 1. How should we view this?

In simple terms, Solayer's approach is very clear: no single-point breakthroughs, laying out a full-stack product line, and directly aiming for the "financial operating system" of the Solana ecosystem, in order to achieve a closed loop from underlying technology to end consumption.

sSOL liquidity staking + sUSD yield stablecoin + InfiniSVM high-performance TPS chain + Emerald debit card, these four product lines seem unrelated, but they cover the complete chain from infrastructure layout, asset appreciation to payment consumption.

Interestingly, the design of sUSD is based on the real yield of short-term U.S. Treasury bonds, with a 4% T-bill yield directly impacting the vital point of "lying flat" stablecoins like USDC.

I have previously written articles sharing the vast market space of yield stablecoins. sUSD reached a TVL of $32M in just 3 months, which indirectly supports this judgment. This approach of packaging traditional financial fixed-income products into on-chain native assets can bring real and sustainable sources of yield to the Crypto world, which aligns well with the current market needs at the stage of TradiFi + DeFi integration.

The claim of a performance breakthrough with 1 million+ TPS sounds a bit impressive at first glance, but not limited to the numbers, the hardware acceleration combined with the SVM-compatible infiniSVM scaling solution gives a sense of service for the future "super chain."

I have emphasized this point repeatedly in previous writings. Although the Solana mainnet’s approximately 4,000 TPS is sufficient for most application scenarios, when serving future high-frequency DeFi interactions, specialized on-chain games, high-frequency arbitrage MEV, instant payments, and other scenarios that are extremely sensitive to latency, the extreme pursuit of performance by infiniSVM comes into play. This is similar to the approach of Sonic SVM when focusing on gaming scenarios.

However, whether the underlying infra is overperforming or underperforming needs further market validation, and it requires a sufficient number of developers and various high-frequency application scenarios to be implemented.

The design of sSOL is also quite good, with a clever approach that constructs a dual revenue mechanism of staking + re-staking. After users stake SOL to obtain sSOL, these sSOL will also be automatically restaked into the InfiniSVM network to provide security verification services, forming a cumulative effect of native SOL earnings + Solayer ecosystem incentives.

In fact, the design of this stacking yield effect is very attractive, with only 300,000 users and over 500 million USD in TVL, providing good DeFi composability for sSOL.

The concept of an "on-chain debit card" is not particularly new, but the differentiation of the Emerald card lies in its deep integration with Solayer's own interest-earning assets, which means that users can maintain their original earning experience during the consumption process.

Imagine that users put their funds in sUSD to earn interest, and when they need to spend, they can directly swipe their card, experiencing a sense of "earning while spending". Throughout the process, the assets are traceable on-chain, and the earnings continue to accumulate. Moreover, the Emerald card has coverage in over 100 countries, supports ATM withdrawals, and is compatible with Apple/Google Pay, among other basic configurations, which will lead to a faster penetration rate. The increasing number of bloggers sharing their debit card usage experiences is a testament to this.

Above.

Overall, Solayer has adopted a four-in-one full-stack strategic product line development, aiming to create a closed-loop financial consumption ecosystem. Compared to a purely high-performance public chain narrative, the positioning of this financial operating system indeed adds a lot of imaginative space.

However, InfiniSVM is the core mainline of Solayer's development. Only when the ecosystem of this hardware-accelerated chain is truly activated can the other established product lines achieve corresponding synergy effects.