Coincidentally, I just withdrew less than $1200 from Kraken to my Zhong'an Bank account, and the handling fee charged me $13. I still need to wait for 1-5 working days. The transaction fees and settlement waiting time here are precisely the source of the two digit real APY of PayFi project. So， Since blockchain can revolutionize the paradigms of Ponzi, gambling, and pyramid schemes, it can also revolutionize the paradigms of lending and payments. Simply put, they are just different specific scenarios of generalized finance. Especially, continuing to play Ponzi, casino, and pyramid schemes during this cycle is like playing ETH Staking in the previous cycle, which is a forced game against the odds and a thankless effort.