I think both U-cards and stock tokens (RWA) have a similar underlying logic. The low hanging fruit of the cryptocurrency circle has been harvested, and the business ahead is a bit difficult. Both of them are very powerful and have great imagination in an ideal state. But there are too many regulatory chains in the middle, which is annoying. RWA is also the same. Binance's stablecoin investment interest rate is so low that it's outrageous, why not package it as a US bond product. Also due to regulatory factors being troublesome.