Lloyds Financial Institution and Visa completed a pilot cross-border settlement of stablecoins, with US$750,000 arriving in one hour. The focus is on payment networks, asset management companies and encryption platforms to jointly promote the OUSD stable currency. This affects expectations for stablecoin payment settlement, institutional distribution on-chain and traditional financial access to on-chain USD instruments. Do you think we should focus more on real payment scenarios or institutional cooperation in the future?