The financial world is undergoing a revolutionary transformation. In the traditional financial system, an individual's credit often depends on their historical relationship with financial institutions, a system that implicitly excludes billions of people from financial services. However, a new financial concept is challenging this status quo, shifting the focus from past assets to current income behavior.

The core of this new paradigm lies in redefining 'on-chain financial citizenship.' It no longer relies on individual asset accumulation to determine creditworthiness, but instead establishes contract credit based on the cash flow generated from individual behaviors and labor. This innovative design provides an opportunity for the unbanked population globally to access the Web3 financial system.

Essentially, this transformation can be understood as an evolution from 'aristocratic finance' to 'universal finance'. The traditional asset collateral model limited the opportunities for most people to participate in financial activities, while the new income-based model has opened the doors of the financial world to a broader audience.

The emergence of this new financial model marks the beginning of true financial equality becoming possible. It transforms credit from a privilege of a few into a basic right for everyone, paving the way for the construction of a more inclusive and equitable financial ecosystem.

In this new era, individual economic vitality and labor value will become key indicators of credit, rather than solely relying on existing wealth accumulation. This not only helps to stimulate the economic participation of more people but may also drive society as a whole toward a more equitable and dynamic direction.

With the promotion of this new paradigm, we may witness a more open and inclusive financial future, where everyone has the opportunity to build credit through their own efforts and actions, participate in financial activities, and achieve economic autonomy and development.