According to Wu Shuo, Wu Shuo learned that according to the Solana Chinese community, Lily Liu, chairman of the Solana Foundation, shared her views on PayFi at EthCC. PayFi introduces a different financial concept to DeFi, focusing on settlement time, and timely settlement is very valuable for speculative transactions. It will support the "Buy Now, Pay Never" scenario, support creator monetization, provide invoice financing, and manage payment processing risks. Lily Liu believes that PayFi may surpass DeFi in the future and open up a new financial trend; the three elements of PayFi's success in the blockchain include fast and low-cost transactions, a wide user base, and a strong developer community.