Huo Xing Finance reports that on August 29, at the event "AI × New Finance — Innovation Global Tour Hong Kong Stop and Yangtze Star Program Launch," Obita Co-founder and CEO Zhang Dayong stated that AI is compressing contract writing, coding, and business decision-making into seconds or less, while traditional cross-border payments still often require T+1 to T+7 days—this efficiency gap will drive the restructuring of payment infrastructure. Zhang believes that blockchain and compliant stablecoins can reduce the multiple layers of intermediary banks in traditional cross-border payments, enabling near-real-time settlement. In 2025, on-chain stablecoin transaction volume reached approximately $33 trillion, but the proportion actually used in the real economy remains low; the next key phase is addressing compliance, security, and enterprise adoption to enable stablecoins to truly enter cross-border trade.
Obita CEO Zhang Dayong: AI Accelerates Value Delivery to Seconds; Cross-Border Payments Must Evolve Beyond T+1 to T+7
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Summary
At the "AI × New Finance – Innovation Global Tour · Hong Kong Station and Yangtze Star Plan Launch," Obita CEO Zhang Dayong highlighted how AI and crypto news are reshaping finance. He noted that AI is now reducing contract writing, coding, and business decisions to seconds, while cross-border payments remain stuck at T+1 to T+7. Zhang pointed to blockchain and compliant stablecoins as solutions to eliminate intermediaries and enable near real-time settlement. On-chain data shows stablecoin transaction volume reached approximately $33 trillion in 2025, yet real-world trade adoption remains low. Zhang said the next step is addressing compliance, security, and enterprise adoption to scale stablecoins in global trade.
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