The recent launch of the first-ever PayFi + DePIN program—a collaboration among PolyFlow, Roam, and Huma Finance—showcases a groundbreaking PayFi use case that not only enhances PayFi consumer applications but also significantly advances the decentralized physical infrastructure networks (DePIN) industry.In this use case, PolyFlow transcends the traditional limitations of restricting credit provision solely to institutions, facilitating the transfer of institutional credit directly to project individual users. This empowers DePIN projects' end users to secure loans for DePIN devices with only a down payment, thereby reducing barriers to entry and allowing users to actively contribute to the development of a decentralized global operator network.Let's dive into the details.

Innovative Use Case: DePIN Finance

Unlike PolyFlow's Supply Chain Finance use case—which tokenized the DePIN supplier's account receivables to enable liquidity access via PolyFlow's Payment Liquidity Pool and optimize the supplier's working capital—the DePIN Finance use case advances even further.While the buyer still needs to repay the remaining funds to creditors upon maturity in the traditional supply chain finance model, this new DePIN Finance approach leverages PolyFlow's Payment ID with credit functions to tokenize the buyer's account payables, distributing them directly to the buyer's end users. As a result, it shifts payment obligations to the buyer's end users, marking a significant breakthrough in payment responsibility and liquidity management.

Roam is a decentralized telecommunications operator that focuses on constructing a global open wireless network infrastructure using Web3 and Open Roaming technologies. It encourages user involvement in network development and data sharing through incentive mechanisms and innovative technologies. Roam offers users a variety of high-performance DePIN router devices to facilitate network participation.In this DePIN Finance case, Roam secures loans from the creditor, Huma Finance, through a low-risk yield product backed by its growth and mining income, with interest paid in Roam tokens offering substantial rewards.PolyFlow enhances this process by tokenizing Roam’s account payables through its Supply Chain Financing Tokenization protocol, thus allocating Roam’s credit to its individual DePIN mining end users, enabling them to secure loans indirectly from creditors' funding using mining yields as collateral.As a result, Roam's individual mining end users can make the 30% down payment to purchase the DePIN devices and start mining, later repaying creditors through yields generated by Roam’s DePIN devices upon maturity.

Buy Now, Pay Never is now a reality

Powered by PolyFlow's innovative approach, the Buy Now, Pay Never concept has come to life. Roam mining end users can choose a loan method that involves making a simple 30% down payment using USDC or SOL deposit to acquire a DePIN device. The remaining 70% of the loan balance is repaid with yields from Roam's growth.For mining end users, this "Buy Now, Pay Never" model offers a convenient and affordable purchasing option, allowing real-world spending without compromising the growth of their invested assets. For DePIN projects, it attracts a broader customer base, driving the development of a decentralized network.

The Core Role of PolyFlow

PolyFlow is central to this DePIN Finance use case, offering essential transaction management tools. Its Payment Liquid Pool (PLP) enables decentralized payments for DePIN equipment purchases and the Buy Now, Pay Never method through a supported payment gateway, while also supporting its Supply Chain Financing Tokenization protocol to connect institutional funds with individual mining end users.PolyFlow's Payment ID (PID) harnesses 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 adherence while preserving user privacy. Additionally, users' positive transactional behaviors contribute to a verifiable trust layer, strengthening their creditworthiness. This innovative approach fosters a virtuous cycle of value generation, offering end-users an upward spiral of trust, utility, and growth within the PayFi ecosystem.For Roam, this accelerates infrastructure deployment and strengthens decentralized network efficiency. For Huma Finance, this provides a low-risk yield product backed by Roam's growth and mining income, with rewards in Roam tokens, offering strong investment potential.

PolyFlow is paving the way for PayFi

For PolyFlow, the mission is clear: build solutions that connect traditional systems with blockchain, making every transaction count. As a foundational PayFi infrastructure, PolyFlow harnesses advanced blockchain technology to drive innovative applications, accelerating adoption and guiding users toward a new financial paradigm. It aligns with the original vision of the Bitcoin whitepaper, unlocking the full potential of Web3.

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