My personal concept is that the essence of payment and receipt should be transfer. It is merely the flow of funds, which is a limitation of traditional payment. In other words, payment is just an action; payment, taxation, wealth management, currency exchange, and even reconciliation are completely unrelated. Therefore, payment is not a system, but just an action.

However, due to the transparency and programmability of cryptocurrencies, payment can be transformed from a mere action into a financial system. Payment is a link within the system, and at the moment a payment occurs, it can actually integrate various financial capabilities such as PayFi, DeFi, Staking, and Earn. It also provides records for insurance, taxation, and tax deductions, and can directly convert cross-border currency into the local currency of the receiving area.

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