According to Wu, QwQiao, co-founder of AllianceDAO, tweeted that the previous generation of fintech mainly solved the problem of distributing financial services, while the core of the next stage lies in value optimization. He pointed out that stablecoins and asset tokenization can bring substantial improvements in purchasing power protection, 24/7 cross-border payments, and instant settlement; artificial intelligence is expected to significantly reduce the cost of financial services through robo-advisors, more accurate credit risk control, and automated back-office processes, making services feasible even for users with low balances and low profits.