原中國銀行副行長王永利發文指出，現在區塊鏈與加密技術融合，實現單一平台無國界全球化覆蓋，將平台運行規則內置於系統中，不再需要平台管控者作為運行中介，用戶是在統一平台上註冊開戶，而不需在清算機構中註冊開戶，不需要清算機構作為轉賬中介，而是由付款方自己進行付款操作，與收款方實現點對點直接支付，由平台系統參與節點分散式驗證、存儲和記賬，確保全流程公開透明、可以溯源、難以造假。由此可以極大地提高效率、降低成本，尤其是相對傳統的以銀行和SWIFT為主的跨境支付清算體系，其優越性非常明顯，給傳統支付清算體系帶來巨大衝擊。 

Wang Yongli, former Vice President of Bank of China, stated in an article that the integration of blockchain and encryption technologies now enables a single platform to achieve borderless global coverage. The platform's operating rules are embedded in the system, eliminating the need for platform controllers to act as operational intermediaries. Users register and open accounts on a unified platform instead of registering with clearing institutions, and there is no need for clearing institutions to act as intermediaries for fund transfers. Instead, the payer conducts payment operations independently, realizing peer-to-peer direct payment with the payee. The platform system's participating nodes perform distributed verification, storage, and bookkeeping, ensuring the entire process is open, transparent, traceable, and difficult to falsify. This can greatly improve efficiency and reduce costs, and its advantages are particularly evident compared to the traditional cross-border payment and clearing system dominated by banks and SWIFT, bringing a huge impact on the traditional payment and clearing system.