Plume, an L1 network built specifically for Real World Asset Finance (RWAFi), has announced the launch of its latest PayFi vault on its flagship yield product, Nest, supported by PYUSD. This move will leverage institution-grade asset-backed stablecoins to bring payment financing on-chain.

The PayFi vault will initially be backed by PYUSD (a fully reserved stablecoin designed to maintain a stable value of 1 USD), with further support from dollar deposits, U.S. Treasury bonds, and cash equivalents. This foundation builds a secure bridge between traditional payment channels and on-chain finance, with plans to incorporate more high-quality assets in the future, creating diversified institutional financing opportunities for global users.

Stablecoins and Payment Financing: The Next Evolution of RWA

PayFi will comprehensively cover the payment ecosystem. The PayFi vault will drive global trade, commerce, and inventory management by providing "last-mile liquidity" for supply chains. This mechanism meets the significant demand for businesses to free up capital and optimize operations.

Currently, PayFi is a relatively underutilized asset class on-chain, and the tokenization of PayFi solutions such as invoices, accounts receivable, and payment obligations will create unprecedented sustainable returns for global users.

Stablecoins like PYUSD lay a solid foundation for on-chain PayFi innovation, as they are gradually recognized as standardized digital dollars, providing a reliable and efficient means of value transfer. With secure, fully reserved backing and a seamless blockchain settlement experience, stablecoins will support key infrastructure for faster, more accessible, and cost-effective financing mechanisms.

nPAYFI Vault on Nest: Value Beyond Payments

By utilizing PYUSD as a liquidity layer, the nPAYFI vault on Nest will extend the utility of RWA assets beyond the payment space, developing new unique use cases from traditional stablecoins that do not directly generate returns, and providing short-term yields and payment financing. Vault participants will be able to earn returns derived from real-world payment flows, with earnings generated from PYUSD flowing back to depositors while maintaining exposure to fully collateralized, regulated stablecoins.

The launch of the PayFi vault reinforces the roles of the currency layer and financing layer in the blockchain financial system:

• Borderless financing: Achieving global capital access without the constraints of traditional banks;

• T+0 settlement: Instant finality of transactions, eliminating delays in traditional financing;

• Stablecoin-denominated loans: Financing issued and settled in PYUSD and other stablecoins, reducing currency volatility risks.

Introducing PayFi into the RWA Ecosystem

The launch of the nPAYFI vault on Nest aligns closely with Plume's mission to bring valuable RWA assets on-chain. PayFi use cases represent another category of RWA, and the inclusion of PYUSD and PayFi solutions naturally belongs to RWAFi—part of the Plume ecosystem, this move will further enhance the liquidity and circulation efficiency of such assets in the global market. By introducing structured payment financing solutions using stablecoins, Plume is laying the groundwork for a more inclusive and scalable financial ecosystem.

Teddy Pornprinya, co-founder of Plume, stated: "Stablecoins backed by RWA have transcended mere mediums of exchange; they are becoming pillars of short-term financing solutions. The new PayFi vault on Nest is an important step towards fully tapping into the on-chain payment financing potential, providing users with faster settlements, lower costs, and broader financial inclusion."

nPAYFI will also offer various financing yield opportunities through strategic partners announced later—these collaborations are just the starting point for the expansion of the Plume PayFi ecosystem. As Plume accelerates the process of building infrastructure for RWA, the PayFi vault will become a significant milestone in bringing payment financing into DeFi and utilizing stablecoins as a trusted and efficient asset class for real-world financial applications.

About Plume

Plume is a full-stack L1 blockchain built specifically for Real World Asset Finance (RWAFi), dedicated to promoting the integration and adoption of real-world assets through its ecosystem. Currently, there are over 180 protocols within the ecosystem, and a $25 million RWAFi ecosystem fund has been established to support early projects. Plume provides a composable, EVM-compatible environment for on-chain and diversified management of real-world assets. By combining an end-to-end tokenization engine and a network of financial infrastructure partners, Plume achieves seamless integration of DeFi and RWA, enabling everyone to tokenize, globally distribute, and empower crypto-native users with real-world assets.

Learn more: Plume Official Website | Plume Twitter

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