"Breaking the Boundaries of Brokerage: The JU Breakthrough in Stock-Currency Integration" An AMA Capable of Changing the Global Financial Landscape

In the current context of global financial infrastructure accelerating onto the blockchain, the core topics of this AMA are "How to truly bring stocks on-chain," "How to unify payments and liquidity globally," "How third-world countries can achieve leapfrog development through on-chain finance," "How wallets can achieve global access," and "JU's globalization strategy." On November 16th at 21:00, this AMA titled "Breaking Brokerage Boundaries: The JU Breakthrough of Stock-Coin Integration," hosted by Ju.com, invited the following guests:

Host: ChainCatcher

• Kiri (JuChain CEO)
• Jerry (JuPay CEO)
• Sammi (Ju.com CEO)
• Crypto Nan Ge (Ju Wallet CEO)
• Sky (Senior Investor)

They presented a complete picture of JU's future landscape as a global financial infrastructure, covering topics from stock tokenization, payment revolution, national digital financial sovereignty, on-chain financial tools to globalization strategies.

1. The True Proposition of Tokenized Stocks: How Does Ju.com Make the "On-Chain Stock Market" Truly Established?

First, Kiri's insights directly hit the industry's pain points: Today, the discussion is no longer about whether stocks should go on-chain, but how to do it correctly.

He pointed out the structural bottlenecks of traditional finance:

• Liquidity is monopolized by a few market makers and is highly fragile
• Matching and price formation are black-boxed
• Market access heavily relies on intermediaries
• Settlement efficiency is locked in T+1/T+2 by the system

These are not problems that can be solved by "upgrading servers," but rather the limits of the old architecture. Therefore, Ju.com's path to going on-chain is divided into three steps:

① Why Must We Go On-Chain? (Value Layer)

On-chain naturally solves problems that traditional markets have been unable to break through for decades:

• Matching is transparent and verifiable
• Liquidity is more open
• Settlement is close to real-time
• Incentive mechanisms are automated
• Market resilience is stronger

Tokenizing stocks is not just a change of skin, but rather entering a higher-dimensional market structure.

② Are On-Chain Stocks Real? (Authenticity Layer)

Kiri bluntly stated: Many token stocks in the industry look like stocks, but essentially are not.

Ju.com's approach is to connect at the institutional level:

• Real underlying stocks are custodied by licensed institutions
• On-chain shares correspond one-to-one with custodied quantities
• Regulated, auditable, and deliverable
• Asset structures are integrated into the securities regulatory framework

This is one of the very few truly "tokenized securities" in the industry.

③ How Do Users and Liquidity Migrate? (Market Layer)

Ju.com does not rely on education, but rather on experiential advantages that allow users to calculate:

• Trading experience ≥ Traditional brokers
• Institutions + Users + Protocols together form "networked liquidity"
• Market-making profits are no longer monopolized by a few institutions

What ultimately forms is not "on-chain stocks," but rather an on-chain stock market.

The host summarized: Ju.com is not about tokenization, but rather reconstructing the underlying logic of the stock market.

2. JuPay: The Key Leap to Break the Payment Barrier Between Web2 and Web3

Payments are the last piece of the foundational puzzle for Web3, and JuPay's goal is to bridge the long-term structural gap between Web2 and Web3. Jerry provided a complete interpretation from the perspectives of product, competitiveness, and market value.

JuPay's core products include:

• Global on-chain/off-chain universal payments
• Merchant settlement system
• Fiat deposit and withdrawal
• MPC wallet
• Compliance and risk control system

Core Competitive Highlights:

• Regulatory Friendly: Can be absorbed by various national financial systems
• Extremely Low Payment Costs
• A single API connecting Web2 & Web3
• On-chain payments as simple as Alipay
• Automatic asset discovery dashboard (wallet revolutionary experience)
• MPC + no mnemonic phrase: solving the biggest barrier of Web3

Jerry summarized: We are not doing crypto payments; we are building the next generation of world-class payment systems.

The host commented: From Ju.com to JuPay, what we see is a global liquidity infrastructure fully connected through the value chain.

3. How Does Ju.com Help Third World Countries Achieve Digital Financial Sovereignty?

Sammi's viewpoint hits the essence: Digital financial sovereignty is not about deregulation, but about empowering regulation. She proposed three core pillars that JU helps countries rise:

① Transparent, Auditable, and Real-Time Regulated Capital Flows

If a country cannot grasp the true scale of cross-border clearing, it cannot possess true financial sovereignty. On-chain provides countries with unprecedented "real-time supervisory power."

② We Provide Infrastructure, Not Control

• Localized nodes
• Localized clearing
• Localized stablecoin custody

Countries maintain the highest sovereignty and will not be "choked" by the international system.

③ Token Incentives Connect Citizens with Industrial Activities

Tokens are not for speculation, but rather:

• On-chain incentives for contributory actions
• Allowing economic growth dividends to be shared by all

At the same time, Sammi provided a "national-level minimum viable product (MVP)": Payments, Deposits, and Clearing — the three elements can be implemented within two months.

Uzbekistan: The First Disclosure of a National-Level Implementation Case

Sammi provided a groundbreaking real case: transforming a "financial marginal country" into a regional financial hub.

RWA Tokenization: Turning Resources into Capital Entry Points: Gold, natural gas, cotton, and wheat entering the global capital market.

Inclusive Finance: The "economic entry ticket" for 10 million people with weak banking relationships: remittance fees reduced from 12% to 1%, encrypted payments in tourist areas implemented, agricultural on-chain credit and insurance popularized, etc.

Localized Capability Building: Including but not limited to blockchain talent training, digital regulatory sandboxes, and national-level RWA projects.

Blockchain is not a tool for issuing tokens, but a tool for building nations. Ju.com has already entered the realm of national financial infrastructure.

4. About Ju Wallet's Global Access

Crypto Nan Ge stated: Security access is key; how to create a secure and reliable wallet that integrates with global currencies is crucial. Over the past decade, the biggest barrier to Web3 has never been technology, but fear. The first step for ordinary users entering the crypto world is often not excitement, but panic:

"I dare not buy; I’m afraid of losing my mnemonic phrase."

"I'm afraid that if I press the wrong button, my assets will be gone."

"I don’t understand what this wallet is doing at all."

If an industry makes the first impression for new users "I’m afraid," it will never move towards the mainstream.

Crypto Nan Ge stated: What Ju Wallet wants to do is completely remove this fear from users' minds.

It’s not about getting users to buy more, but making assets safer, cleaner, and more controllable.

Many products in the Web3 world encourage users to "buy more, trade more, participate more," but our first principle at Ju Wallet is very simple: A wallet is not a tool for inducing consumption; it is the last line of defense for asset security. Ju Wallet will actively filter out 90% of junk projects and high-risk behaviors, not to restrict users, but to protect them. If past Web3 wallets were "open-air flea markets," Ju Wallet is more like "helping you raise the threshold to a safer position." We do not compete for transaction volume; we only compete for one thing: users' sense of security.

Ju Wallet is the true entry point to Web3, not through "education," but through experience.

We have never tried to "educate users." Because a mature product never requires users to learn; it only needs to be as natural as the world you are already familiar with. This is why Ju Wallet removes the three toughest pain points in the industry:

• No mnemonic phrase: Users do not need to remember a daunting string of English words.
• No risk of private key exposure: Your security no longer depends on a piece of paper or a screenshot.
• User experience as intuitive as Alipay: Open, store, pay, transfer — easy to understand.

The true entry point is not complexity, but smoothness. It’s not about making users "learn Web3," but about making Web3 automatically adapt to users.

A wallet like NetEase Yanxuan: Only providing users with "clean choices."

Crypto Nan Ge has always emphasized that Ju Wallet embodies the philosophy of NetEase Yanxuan. We do not provide users with a vast array of choices, but only the right choices. Ju Wallet is doing the same: blocking everything that users cannot understand, cannot clarify, or are likely to trip over at the door.

What we present must be:

• Sufficiently secure
• Sufficiently clear
• Sufficiently trustworthy
• Sufficiently long-term
• Sufficiently usable by ordinary people

When traditional users first step into the Web3 world, they should no longer feel lost, scared, or at risk, but rather "Oh, this isn’t so difficult after all." This is what we believe the true value of a wallet is.

Ju Wallet does not want to be the largest; it wants to be the one that users trust the most.

In this industry, too many teams pursue "largest scale," "highest daily active users," and "largest user base." But we are clear: a wallet is not a traffic business; it is a trust business. What we care about is whether users are willing to entrust their real assets to us. Scale can come later, but trust must be built now and can never be lost. Therefore, we have never pursued the fastest growth or the quickest breakout, because safety always comes before scale, and long-term always takes precedence over short-term.

What Ju Wallet wants to become is summed up in the simplest phrase in the industry: "This is the wallet I dare to let my family use."

5. JU's Globalization Strategy: From Markets to Nations, to a New Global Financial Order

Sky provided a more macro answer: JU is building a complete set of infrastructure to reshape global finance, not just a product. He pointed out that Ju's long-term layout focuses on the thorough integration of four elements: Trading (Ju.com), Payments (JuPay), Clearing (JuChain), Asset Entry (Ju Wallet), and Incentives (Ecological Token System) forming a global closed loop of "trading → payment → clearing → rewards."

Goals for the Next 3 Years:

Improve the "trading → payment → clearing → rewards" system while integrating global RWA on-chain infrastructure for stocks, bonds, real estate, and futures, ensuring compliance and identity (KYC/AML) modules are interconnected, and gradually establishing a multi-national sovereign stablecoin issuance and clearing system.

Vision for the Next 10 Years:

Sky emphasized: To become the global financial underlying connector — not to replace the dollar system, but to create a more open financial order for the world. When a country is willing to hand over gold, natural gas, and cotton for tokenization, it is not just a project, but the starting point of a new international financial order. The future financial order belongs to users, developers, and nations working together, rather than being monopolized by a few centralized institutions.

Conclusion: JU is not merely working on Web3; it is building the next generation of the global financial system.

After this AMA, JU's layout has never been just about exchanges, payments, or products; rather, it is: national-level infrastructure + global financial network + user-level ecosystem, a trinity of super structural engineering. In an era of accelerated global financial transformation, JU is no longer just a Web3 project, but an early builder of the next generation of global financial order.