Why I put @humafinance in the Crab category: - Massive market but still low liquidity Huma targets real-world credit and payments, a multi-billion-dollar industry, but current active liquidity is thin to sustain a growing demand. - Highly modular layer Huma employs a layered "PayFi Stack," similar to the OSI model, along with structured lending modules. While these features offer great customization, they also introduce friction in developer integration and execution. - S tier backing Raised $38m Series A led by Distributed Global, with strategic contributions from Circle, Electric Capital, Hashkey, Folius Ventures, and integration partners like Stripe & Superfluid. - Straightforward revenue integration Operates 12 active lending pools across Solana, Polygon, Celo, Stellar, Scroll, etc, generating income through credit lines issued against future receivables.