Recently at the Davos World Economic Forum, the founder of a leading trading platform shared many interesting insights. He believes that trading platforms and stablecoins have already been validated by the market, and large-scale adoption is no longer an issue. The real opportunities lie in three directions: first, asset tokenization at the national level; second, cryptocurrencies serving as the "invisible" underlying payment method; third, AI agents autonomously trading and settling with cryptocurrencies.

Regarding the financial system, he pointed out that the fundamental problem faced by banks stems from the "partial reserve system." After a major platform collapsed in December 2022, a leading exchange processed about $7 billion in withdrawals in a single day, totaling $14 billion within a week, all with zero failures. This demonstrates that the resilience of decentralized financial infrastructure is indeed strong.

He also mentioned that in the next decade, physical banks will significantly shrink, and people will increasingly not need to visit branches. Online banking was once revolutionary, and now the combination of encryption technology and electronic KYC is accelerating this process. Banks will not disappear, but the entire financial ecosystem is being reshaped.

By the way, Meme coins—like NFTs and the metaverse before them—are all high-risk, high-speculation assets. Meme coins with cultural DNA, such as Dogecoin, may last longer, but most Meme tokens are destined to fade away.