According to CoinMeta, author Benji Siem pointed out in iosg that fintech is experiencing two major trends: firstly, a focus on infrastructure, utilizing stablecoins to reduce friction and increase settlement speeds; secondly, the advantages of multi-track, programmable currencies in terms of compliance and distribution. Stablecoins act as a bridge, while DEFI serves as the backend foundation, achieving sustainable profitability through large-scale distribution, trust, and control.