A thought-provoking point - disruptive technology often starts from underserved markets, meeting needs that existing solutions cannot cover, gradually improving and challenging and replacing the giants. Internet finance will follow this model.

Are there historical cases that support the above viewpoint?

PCs started from niche markets (enthusiasts, small businesses) and gradually replaced mainframes; Square, WhatsApp, Canva, Robinhood, and others have risen through underserved markets, proving the effectiveness of this strategy.

What opportunities can we see?

Underserved markets are the breakthrough for internet finance, as their financial systems are underdeveloped, and residents face high costs and low accessibility issues. For example:

Stablecoins: Over 80% of the global population lives in high-inflation areas, yearning for dollars but restricted; stablecoins can fill this demand through existing technology, with market potential increasing from $200 billion to over $2 trillion.

Asset tokenization: Underserved markets lack high-quality assets; tokenizing stocks, bonds, etc., can significantly improve savings options.