AllianceDAO co-founder QwQiao emphasized the shift in fintech focus from service distribution to value optimization. He highlighted that stablecoins and asset tokenization can significantly enhance purchasing power protection, enable 24/7 cross-border payments, and facilitate instant settlements. Additionally, QwQiao noted that artificial intelligence could drastically reduce financial service costs through smart advisory, precise credit risk management, and automated backend processes, making services viable for low-balance and low-profit users.