Three years ago, those who were curious have now learned to revere. Those who were once obsessed with NFTs, dived into Decentralized Finance and meme culture in encryption, have realized after the baptism of the market that intuition and gut feelings are no longer sufficient.

Looking back at 2022, when the market was good, everything could run smoothly—narratives always led risk control, and growth numbers masked countless loopholes. It was an era of "just dare to do it." But when it came to actually developing products, asset management, and payment links, the industry's feedback changed. An accident can wipe your credit to zero, and that's when you realize: the most valuable asset in finance has never been efficiency, but trust.

Most new generation entrepreneurs have been nurtured by Fintech. From QR code payments to password-free deductions, from installment consumption to tap-to-pay, these products have successively lowered the financial threshold, making "smooth experience" a standard feature. However, when they start their own businesses, the game rules have already changed. The previous generation first relied on dividends to grow and then learned, but today's people can only learn while doing, while also facing the realities of declining rates, stringent channels, and compliance pressures.

In such an environment, what can truly drive business forward? It's not flashy technology or aggressive growth hacking, but rather sustainable experiences and trust. This is no longer a financial game for the "old-timers." To retain the ambitions of the youth, the market needs both innovation and enough solidity in the most critical areas—credit and compliance.

In 2025, the choices of this generation will become clearer.