Many friends around me are complaining that it's too difficult to flexibly allocate their money now—wanting to convert digital currencies to fiat, or to invest in Hong Kong and US stocks with US dollars or HK dollars. Either the platform charges high fees for switching back and forth, or you have to open overseas accounts and go through a lot of hassle. Actually, after all the trouble, I realize it's not that the money is hard to move, but that there's a lack of a compliant and versatile "asset connector"!