Today, I had a meeting with some friends from PayFi projects, and we mainly discussed two things: one is the compliance plan for US stablecoins, and the other is PayFi based on RWA. The concept of PayFi was first mentioned by Lily, and indeed there are many PayFi projects on Solana. Although everyone's projects are somewhat different, they all essentially revolve around "pre-value consumption."

As for the US dollar stablecoin system, compliance is likely to become a necessary option. Stablecoins that earn interest are inherently the settlement tools for PayFi, as the settlement with stablecoins is much simpler than that with cryptocurrencies for the practical scenarios of PayFi. Moreover, promoting compliant stablecoins is also very easy.

This is why I am currently trying to integrate stablecoin payments into the RWA field. Essentially, stablecoins represent the RWA scenarios of the US dollar, so the concept of "emerging banks" based on RWA access can be considered one of the landing solutions for PayFi. However, it seems that @plumenetwork has not yet established a PayFi partnership. I hope to collaborate with Plume to explore the PayFi scenarios together.

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