UK July unemployment rate

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.

PayFi is an emerging concept aimed at building a Programmability currency system to enhance economic sovereignty, focusing on the financial applications of physical goods and services. Its core is to utilize the time value of money, covering scenarios such as monetization for creators and accounts receivable financing. Although it is still in the early stages, market demand is becoming evident, and it is expected to optimize the TradFi system in the future.

Kaito: A New Attempt to Build the Web3 Information Ecosystem 1. Project Background Kaito is a Web3 information platform dedicated to solving the problem of information fragmentation in the cryptocurrency world. The platform collects and organizes information from various data sources in real-time through an AI-driven search engine and information network. It utilizes advanced language models and semantic understanding technology to transform unstructured information into instant insights, including sentiment analysis, keyword tracking, and other functionalities. In addition, Kaito has launched an innovative mechanism to "tokenize attention" on the content published by users on social platforms, quantifying real influence and incentivizing the community to create and share high-quality information, promoting a fair and transparent information financial ecosystem. The project was founded in 2022 and completed two rounds of financing in 2023, raising a total of $10.8 million, with investors including several well-known institutions. 2. Kaito

From salary to invoice, how HUMA can release your future income on-chain. "If I told you that you could receive next month's salary today, without looking for the boss or the bank, just using a wallet address, would you believe it?" In traditional finance, the logic of borrowing money is that you must first have collateral in the form of assets or a credit score as a guarantee. However, Huma Finance (HUMA) takes an unconventional approach by focusing on "the money you are about to receive in the future," such as salary, invoices, and cross-border remittances, and then uses encryption to turn them into instantly available liquid funds. What is HUMA? Huma Finance @humafinance 🟣 is building the world's first PayFi (Payment + Finance) network. Its goal is straightforward: to enable users to borrow money on-chain using future income streams. Unlike traditional crypto lending, which requires collateral like ETH or BTC, HUMA supports using payroll, accounts receivable, or even stable remittance records to exchange for 70-90% of future income as immediate liquidity. How does it do it? The underlying logic of HUMA is the TVM (Time Value of Money) model - simply put, it is about using smart contracts to "buy out" the money you are going to receive in the future. For example: You are a freelancer and issued an invoice for 1000 dollars today. In a traditional banking system, it may take 30 days for customer payments. With HUMA, you can pledge invoices on-chain and immediately receive liquidity of $700–900. After the customer makes the payment, the smart contract automatically settles the difference. Ecology and Endorsement Partners: Solana, Stellar Development Foundation, Circle, Galaxy Digital Financing: Completing a $38 million investment in 2024 Deployment: Multi-chain layout, planned to cover global cross-border payments, supply chain financing, freelance market Technical advantages: modular structure + AI risk control model + smart contract automatic settlement Opportunities and Challenges Opportunity: Combining RWA (real-world assets) and DeFi, the potential market is enormous. There is an immediate improvement in the capital turnover efficiency for freelancers, cross-border merchants, and supply chain enterprises. Challenge: How to implement credit assessment standards on-chain Compliance requirements for "future income collateral" in different jurisdictions. How to prevent off-chain data fraud The payroll of the future will not be paper-based, nor will it be bank statements, but rather on-chain transferable assets. The question is, are you willing to exchange the "money you haven't received yet" for today's opportunities? Welcome to share in the comments, will you use HUMA? —— Coin Observation #HumaFinance $HUMA

Yield stablecoins, as a new type of stablecoin, are gradually becoming a popular trend in the crypto market. Unlike traditional stablecoins, they attract users through a yield mechanism. Their development faces challenges such as profitability and credibility establishment, which will drive innovation in asset issuance models and are worth following.