A year ago, Infini's U Card product was in internal testing, and today, a year later, this organization has completed a full cycle, experiencing peaks and valleys, and the team has undergone significant changes and iterations.

The biggest realization during this journey is that the greatest challenge for an organization always comes from shaping recognition and fostering discipline.

The vision at the time of establishment was simple: to enable everyone to have stable returns through inclusive finance. Now, this idea has undergone some changes. In fact, the general public may not necessarily need financial products; what is more important is to shape their financial outlook.

On the contrary, a more practical demand is that ordinary people can purchase the products they want more freely. During the process of creating the U card, I felt their voices and saw the areas where the current financial system still needs to improve.

On top of this, a more worthwhile challenge is to build a second banking system. This system is not unregulated and boundless, but rather aims to eliminate the cumbersome rules and restrictions that have accumulated over a hundred years of history. Moreover, no matter how many public chains, stablecoins, or wealth management products there are, they may not significantly contribute to this vision.

The development of Fintech over the past fifteen years has already seen tremendous changes, but it is still a byproduct of dependency. Tether, CEX, and various public chains have already built a new framework, and what remains is merely to flesh it out.