The more I follow @humafinance updates, the clearer it becomes that PayFi is building a full economic layer, not just another DeFi protocol. The keynote at Solana Accelerate highlights how big this shift really is. When you hear names like Visa and Stripe exploring PayFi, it’s a sign that the bridge between traditional finance and on-chain credit is finally being built. The OSI comparison makes sense open layers always spark ecosystems. PayFi could be that structure for finance, turning settlement, credit, and liquidity into connected layers that anyone can build on. And the Vanguard Badge system shows how Huma is rewarding alignment over speculation. Staking $HUMA to earn long-term recognition rather than chasing short term gains creates a healthier foundation for their community. It feels like they’re building something meant to last with real users, structured incentives, and actual payment volume behind it. As adoption grows, PayFi might become the invisible layer that powers how stablecoins and credit move across the internet. The more I see, the more it feels like Huma is quietly setting new standards for what sustainable web3 finance looks like.