Before, when I looked at projects, it was simple—just two questions:

Can it go up? Can it be pumped?
All that talk about “stable returns, real cash flow” just sounded boring to me.

Just now, while scrolling through Twitter, I saw this:
“@humafinance just surpassed 100,000 deposit users.”
I was stunned for a moment.
This isn’t a bank, it’s on-chain. So I did some research and found out what they’re actually doing is pretty simple. I deposit USDC,
and the money isn’t being thrown around recklessly—it’s being used in real payment flows.
People using credit cards, installment payments, business collections—anywhere working capital is needed,
they’re using the money from our pool. When the money settles offline, principal and interest are paid back.

During bull markets, everyone is hyping up how they can multiply their money several times a year,
so I didn’t pay much attention to Huma, thought the returns were just too “normal.”
What really changed my mind was that stretch when the market kept dropping—
a lot of high-yield projects either collapsed or halted,
but when I checked Huma again, USDC yields were still being steadily paid, and the numbers were still growing.
At that moment, I realized:
Some things don’t need to tell stories, they just quietly get the job done.

Now, I’ll be honest:
I won’t put all my chips into @humafinance,
but I’ll keep a portion of my portfolio here,
treating it as a “base cash flow” linked to real-world payments,
and I’ll keep using the rest to chase trends and hot projects.
These 100,000 depositors aren’t here to gamble for overnight riches,
they believe in a more solid approach.
Huma says they’re “just getting started” right now,
I might not fully buy the marketing, but at least I’m willing to keep watching.