Solana (@solana): Time is money — yet $4T still sits trapped in pre-funded accounts just so global payments can work. In 2025, we're still waiting days and paying 7% to…

Time is money — yet $4T still sits trapped in pre-funded accounts just so global payments can work. In 2025, we're still waiting days and paying 7% to move value across borders. Messari analyst Austin Weiler recently published an in-depth report covering how PayFi on Solana fixes this. We’ve got you covered with some highlights: 1. Cross-border settlement reimagined Huma Protocol’s Arf USDC pool on Solana processed $2.8B with zero defaults, turning $16M into 50 cycles per year and 86% growth in 2024. 2. Lower costs for merchants Traditional card payments cost merchants 3%+ and take days to settle. 6,000+ merchants now use Solana Pay via Helio on Shopify: instant settlement, 1% fees, no chargebacks. 3. Privacy preserving settlement for institutions Spherenet, a permissioned SVM blockchain by Sphere Labs, is bringing compliant, privacy-preserving settlement to regulated financial institutions. 4. DePIN financing Roam is launching the first DePIN hardware financing program native to Solana — users can finance Wi-Fi routers with just 30% down, then repay through mining rewards. 5. Digital asset-backed payments Reap has released Solana stablecoin-backed credit cards that work anywhere Visa is accepted — while Sanctum's enabling new creator support models through liquid staking tokens. PayFi isn't just improving the $16T credit card market and $89T B2B payment market. It's building near instant, sub-cent settlement rails for everyone on Solana. Dive into the full report below 👇