AllianceDAO Co-Founder QwQiao recently shared his views on the evolution of FinTech. He believes that the main task of the previous generation of FinTech was to address the efficiency of financial service distribution, while the current focus has shifted to value optimization.

This shift is very interesting. He further pointed out that stablecoins and asset tokenization can play key roles in multiple dimensions such as purchasing power protection and 24/7 trading. This not only changes the way traditional finance operates but also provides ordinary users with more flexible asset allocation options.

From distribution to optimization, the role of DeFi is becoming increasingly important. Stablecoins serve as the infrastructure for on-chain transactions, while asset tokenization opens up more possibilities for bringing assets onto the chain. This approach indeed reflects the transformation of crypto finance from infrastructure development to deep value creation.