The hardest work only begins after creating a stablecoin in one minute. Reflect Create lowers the barrier to issuance but brings asset liability issues to the forefront. ① On October 23 (Beijing Time), Reflect announced the launch of Create: according to the project’s description, users can create a stablecoin with their own name on Solana via a single transaction, selecting from a curated set of collateral and setting how interest is distributed. ② This further simplifies the technical steps of “creating a coin.” For teams looking to integrate stablecoin functionality into their products, standardized tools may reduce development effort—but they still need to evaluate whether the specific asset design suits their users. ③ Choosing from the provided collateral pool does not mean every combination is risk-free. The value of the collateral, oracle reliability, redemption pathways, sources of interest, and accountability in exceptional circumstances still require individual review. ④ Solana’s official account also shared this product announcement, but a retweet cannot replace independent security audits, nor can it be interpreted as regulatory approval or a guarantee of redemption. This announcement does not resolve all issuance and distribution liability issues. My own assessment: the simpler the creation process, the more critical I find the exit process for holders. Products that truly build adoption should clearly explain where the money is held, where returns come from, and how users can retrieve their funds in the worst-case scenario. NFA / DYOR @Solana_zh @solana @reflectmoney