The first PayFi + DePIN project collaboration between PolyFlow, Roam and Huma Finance showcases a pioneering PayFi use case, which not only enhances the consumer application of PayFi, but also significantly drives the development of the decentralized physical infrastructure network (DePIN) industry.
In this use case, PolyFlow has broken through the traditional limitation of providing credit only to institutions, and has facilitated the direct flow of institutional credit to individual project users. This allows the end-users of the DePIN project to obtain loans for DePIN devices with just a down payment, thereby lowering the entry barrier and enabling users to actively participate in the development of the decentralized global operator network.
Let's dive into the details.
Innovative Use Case: DePIN Finance
Unlike PolyFlow's supply chain finance use case - where the case enables suppliers to access liquidity through PolyFlow's payment liquidity pool by tokenizing their accounts receivable, optimizing their working capital - the DePIN use case goes a step further on this foundation.
In the traditional supply chain finance model, the buyer repays the remaining funds to the creditor before the due date, but this new DePIN finance method utilizes PolyFlow's payment ID and its credit functionality to tokenize the buyer's accounts payable and directly allocate it to the buyer's end-users, who pay the remaining amount before the due date. Thus, it shifts the payment obligation to the buyer's end-users, which is a significant breakthrough in terms of payment responsibility and liquidity management.
Roam is a decentralized telecom operator focused on building a global open wireless network infrastructure using Web3 and Open Roaming technologies. It encourages user participation in network development and data sharing through incentive mechanisms and innovative technologies. Roam provides users with various high-performance DePIN router devices to facilitate network participation.
In this DePIN finance case, Roam obtains loans from the creditor Huma Finance, supported by its growth and mining revenues, with the interest paid in Roam tokens, providing attractive returns.
PolyFlow tokenizes Roam's accounts payable through its supply chain financing tokenization protocol, thereby allocating Roam's credit to its DePIN mining end-users, allowing them to indirectly access the creditor's funds using their mining revenues as collateral.
As a result, Roam's individual mining end-users can pay a 30% down payment to purchase DePIN devices and start mining, with the revenues from Roam's DePIN devices used to repay the creditor at maturity.
Making "Buy Now, Pay Never" a Reality
Driven by PolyFlow's innovative approach, the concept of "Buy Now, Pay Never" has become a reality. Roam mining end-users can choose a loan option that only requires a simple 30% down payment using USDC or SOL deposits to acquire DePIN devices. The remaining 70% loan balance will be repaid through the revenues generated by Roam's growth.
For mining end-users, the "Buy Now, Pay Never" model provides a convenient and affordable purchasing option, allowing for actual consumption without compromising the growth of their investment assets. For DePIN projects, it attracts a wider customer base, driving the development of the decentralized network.
PolyFlow's Core Role
PolyFlow is the core of this DePIN finance use case, providing the necessary transaction management tools. Its Payment Liquidity Pool (PLP), supported by its payment gateways, enables decentralized payments for DePIN device purchases and the "Buy Now, Pay Never" method, while also supporting its supply chain financing tokenization protocol to connect institutional capital with individual mining end-users.
PolyFlow's Payment ID (PID) leverages zero-knowledge proof technology to empower mining end-users to establish on-chain KYC capabilities and build robust credit profiles. By implementing a cutting-edge ZK compliance framework, PolyFlow seamlessly ensures regulatory compliance while protecting user privacy. Furthermore, users' active transaction behavior helps build a verifiable trust layer, enhancing their creditworthiness. This innovative approach fosters a virtuous cycle of value generation, providing end-users with trust, utility, and an upward spiral of growth within the PayFi ecosystem.
For Roam, this accelerates infrastructure deployment and strengthens the efficiency of the decentralized network. For Huma Finance, it provides a low-risk yield product supported by Roam's growth and mining revenues, with rewards in Roam tokens, offering strong investment potential.
PolyFlow Leading the PayFi Evolution
For PolyFlow, the mission is clear: to build solutions that connect traditional systems with blockchain, ensuring that every transaction has value. As the foundational PayFi infrastructure, PolyFlow leverages advanced blockchain technology to drive innovative applications, accelerate adoption, and guide users towards a new financial paradigm. It aligns with the original vision of the Bitcoin whitepaper, unlocking the full potential of Web3.
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