Elon Musk recently issued a stern warning—AI is becoming "something smarter than humans," and this could happen within the next few years. Sounds alarmist? Actually, the real issue isn't that complicated: humanity might be left behind by the wheels of the times without even realizing it.

This is not just empty fear-mongering. Just look at what's happening in the financial sector now.

Traditional wealth management methods are quietly being rewritten by a new approach. Take some innovative DeFi protocols as an example—they've done something seemingly simple but actually very impressive—transferring the most stable assets in traditional finance, like U.S. Treasuries, onto the blockchain. As a result, ordinary investors can now access those previously out-of-reach stable returns using crypto assets. It’s like a tunnel suddenly opening between traditional finance and Web3.

How do these protocols work? Not complicated. You can stake your BNB, exchange it for highly liquid yield-bearing tokens, then use these tokens to borrow stablecoins, and finally earn arbitrage profits in other protocols or trading pairs. The entire chain of logic is tightly integrated, and the process is highly transparent—no middlemen skimming off the top.

What does this reveal? AI is accelerating its evolution, DeFi is continuously innovating, and both forces are saying the same thing: relying on a single skill or sticking to a fixed path for security days are coming to an end. The future won't give us much time to adapt. We don’t necessarily have to become tech experts, but we must understand these new trends that are rewriting the rules of the game. Proactively updating our understanding of wealth and the future is less of a choice and more of an inevitable response.