I feel like the recent market trend has been too boring, and everyone has been taking turns FUD once. Lao Xu's advice against online lending is actually not a problem, after all, it is equivalent to adding leverage on top of leverage, which will greatly affect mentality and operation. However, this circle is inherently high-risk, and from the perspective of the founder of the university, it may be relatively easy to be criticized for their stance. There is a feeling of standing on a dry bank and speaking without feeling back pain. It would be better if the rumors were leaked privately at the beginning for the wealthy to withdraw or if a public announcement was made directly. Although many people claim to have relied on loans to make a comeback in the past, this may also be a survivorship bias, as those who have not fully recovered will not speak up. And in terms of financial security, everyone definitely believes that there is no problem, after all, the reputation of the old institution is there. It is entirely expected that OKX will become more compliant before going public in the United States. During the adjustment process, the user base will definitely change, and some compliance sensitive users will inevitably be lost. At the same time, there will also be an increase in users who feel that it is safer to put money in compliance.