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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.

In today's fast-paced economic environment, Huma Finance is bringing revolutionary financial solutions to participants across various industries. This innovative platform is reshaping our perception of cash flow management, providing customized Financial Services for a diverse user base. Cross-border e-commerce sellers have long faced cash flow pressure due to logistics billing cycles. Huma Finance cleverly addresses this pain point by allowing sellers to quickly access a large portion of their expected payments by providing Amazon order invoices. This rapid cash turnover mechanism significantly enhances the smoothness of business operations and injects strong growth momentum into e-commerce sellers. Freelancers often face the challenge of unstable income, and the issue of funding shortages during project gaps is particularly pronounced. Huma Finance, through its innovative data authorization model, allows freelancers to access future income in advance, effectively bridging the income gap and ensuring their quality of life and work continuity. In developing countries, traditional financial institutions often struggle to meet the financing needs of micro and small enterprises. Huma Finance takes a different approach by combining community credit and daily revenue data to provide these merchants with small revolving loan services. Taking the Philippines as an example, this innovative model not only meets the funding needs of merchants but also keeps the default rate at a low level, demonstrating the enormous potential of inclusive finance. The success of Huma Finance highlights the immense potential of fintech in addressing real-world problems. By flexibly utilizing data analysis and innovative credit models, Huma Finance is providing practical financial solutions for user groups around the world, promoting the inclusiveness and efficiency of Financial Service. This model not only alleviates the limitations of traditional financial systems but also paves the way for the establishment of a more inclusive and efficient financial ecosystem. As Huma Finance continues to expand its range and depth of services, we can expect to see more innovative Financial Service models emerging, further driving the transformation and progress of the financial industry. In this rapidly changing digital economy, Huma Finance's practices undoubtedly provide an inspiring example for cash flow management and financial inclusion.

In the field of financial technology, Huma Finance is leading a revolution in credit models. The platform is based on the innovative concept of "future income streams" and has built a three-layer technical architecture that completely reshapes the traditional credit system. The first layer is the cash flow capture layer. Huma Finance achieves seamless integration with enterprise ERP systems, cross-border payment platforms, and freelancer work platforms through extensive API interfaces. This allows the system to obtain various income data in real-time, including payroll records, invoice confirmations, and cross-border remittances, among 12 types of raw data, with data precision reaching hourly levels. For example, in collaboration with a Southeast Asian travel platform, drivers can authorize the system to access their daily income details for nearly the past six months. It is noteworthy that this sensitive data is encrypted using zero-knowledge proof, exposing only the necessary features to the protocol, effectively protecting user privacy. The second layer is the risk pricing engine, which is the core of Huma Finance's technological innovation. This engine has trained a highly accurate machine learning model based on over 5 million historical cash flow data. This model can keenly identify the risk characteristics of different types of income. For example, for the relatively stable salaries of civil servants, the model would assign a high discount rate of 90%. However, for the more volatile project-based income, such as construction contractors' project payments, the model dynamically adjusts the discount rate between 70% and 85% based on the actual performance of the project. The third layer is the smart contract execution layer. This layer employs an innovative multi-signature oracle mechanism to verify the authenticity of income. Taking a freelancer applying for a $10,000 loan as an example, the smart contract will automatically lock the borrower's expected income for the next three months on a specific platform. When the funds are received, the system will automatically deduct the repayment amount daily. In case of overdue payments, the penalty will be automatically allocated through the blockchain, which not only avoids the moral hazards in traditional collections but also simplifies the cumbersome 17 manual steps in traditional lending into 3 smart contract operations, achieving a high efficiency where risk assessment can be completed in just 2.8 seconds. Huma Finance's innovative model not only improves the efficiency and accuracy of credit approvals but also provides new financing channels for groups that are difficult to serve by traditional financial systems. This credit method based on future income streams is expected to bring significant breakthroughs in financial inclusivity and risk management, injecting new vitality into the entire financial industry.

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.