Core Viewpoint - Ant Group is focusing on the application of AI in the healthcare sector, emphasizing the importance of specialized models over general models due to the unique requirements of medical services [1][3]. Group 1: AI in Healthcare - Ant Group's CEO highlighted the dual characteristics of "urgent need + high frequency" in healthcare, where health management is a high-frequency demand despite medical services being low-frequency [3]. - The ultimate goal of AI in healthcare is to provide personalized, precise, and trustworthy recommendations akin to professional doctors, which general models will struggle to achieve in the near term [3][4]. - The company believes that AI will not replace doctors but will serve as an essential assistant, enhancing the capabilities of specialists and supporting primary care physicians [3][5]. Group 2: Challenges in AI Healthcare Implementation - High-quality data is fundamental, with the cost of data annotation and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts to ensure quality [4]. - A significant challenge is to suppress hallucinations in AI models without compromising their service capabilities, necessitating a careful balance [4]. - Ethical considerations in AI healthcare are complex, prompting Ant Group to establish a Medical Ethics Advisory Committee to explore regulations collaboratively with top medical experts [5]. Group 3: Future Directions - Ant Group is not rushing towards commercialization but is instead focusing on accumulating professional data, addressing hallucination suppression, and building medical ethics frameworks [5]. - Since 2023, Ant Group has accelerated its exploration of AI in healthcare, launching the AI Health Manager AQ, which has connected over 5,000 hospitals and nearly 1 million real doctors, serving over 140 million users [5].

Core Viewpoint - The CEO of Ant Group, Han Xinyi, emphasized that the token economy must transition from being a mere object of value storage and speculative trading in the virtual world to a tool that addresses trust, efficiency, and cost issues in the real economy to create a sustainable and valuable ecosystem [1] Group 1 - The future of the token economy must be deeply rooted in the real economy to truly unleash its value [1] - The exploration of tokenization should balance the pursuit of value in the token economy with risk prevention [1]

Core Insights - Ant Group's CEO, Han Xinyi, emphasized the importance of integrating healthcare management with AI services, highlighting that while medical actions are infrequent, health management is a frequent necessity [1] - Han stated that the unique characteristics of the healthcare sector make specialized AI irreplaceable, asserting that if AI in healthcare reaches its full potential, users will remain loyal as their problems can be effectively addressed [1] Industry Summary - The integration of AI in healthcare is positioned as a critical area for development, with a focus on specialized AI rather than general AI to meet the unique needs of the sector [1] - The statement reflects a growing trend in the healthcare industry towards leveraging advanced technologies to enhance patient care and management [1]

Core Insights - Ant Group's CEO Han Xinyi emphasized the importance of specialized AI models in the healthcare sector, stating that general models cannot replace them in the short term [1][3] - The company aims to address key issues such as data quality, hallucination suppression, and medical ethics to enhance AI's role as a supportive tool for doctors [3][4] Group 1: AI in Healthcare - Ant Group is focusing on AI in healthcare due to the dual characteristics of "urgent need + high frequency," combining low-frequency medical actions with high-frequency health management [3] - The ultimate goal of AI in healthcare is to provide personalized, precise, and trustworthy recommendations akin to professional doctors [3] - Han Xinyi asserted that AI will not replace doctors in the foreseeable future but will serve as their assistant [3] Group 2: Challenges in AI Healthcare Implementation - High-quality data is fundamental, with costs for data labeling and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts [4] - Suppressing hallucinations in AI models is challenging, as it requires balancing error reduction without compromising service capability [4] - Medical ethics is a complex issue, prompting Ant Group to establish a medical ethics advisory committee to explore regulations collaboratively [4] Group 3: Market and Future Focus - The healthcare market is valued at trillions, but Ant Group is not rushing into commercialization, prioritizing the resolution of data accumulation, hallucination suppression, and ethical standards [4] - Since 2023, Ant Group has accelerated its exploration of AI in healthcare, launching the AI Health Manager AQ, which has served over 140 million users and connected with more than 5,000 hospitals and nearly 1 million real doctors [4]

韩歆毅认为，在探索通证化之路上，通证经济价值的探索和风险的防控应放在同等位置。他强调，"合 规是创新的生命线"。 （文章来源：第一财经） 9月11日，在 2025Inclusion·外滩大会上，蚂蚁集团 CEO、蚂蚁数科董事长韩歆毅首次公开谈通证经济话 题，他说："通证只有从虚拟世界中的价值存储和投机交易对象，转变为解决实体经济中信任、效率与 成本问题的工具，才能真正形成可持续、有深度、有广度的生态体系，迸发出应有的价值。"他强 调："通证经济的未来，必须深深植根于实体经济，才能真正释放价值。" ...

(责任编辑：宋政 HN002) 【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不对所包含内容 的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担全部责任。邮箱： news_center@staff.hexun.com 格隆汇9月11日｜2025Inclusion滩大会期间，蚂蚁集团CEO韩歆毅在谈及通证经济时表示，在探索通证 化之路上，通证经济价值的探索和风险的防控应放在同等位置。他强调，"合规是创新的生命线"，从探 索起初，蚂蚁集团就清晰划定边界："坚决不发虚拟币，不参与任何形式炒作；专注技术基建，服务行 业而非颠覆行业；力求创造新价值，而非争夺旧蛋糕。" ...

Core Viewpoint - Ant Group's CEO emphasizes the equal importance of exploring the value of token economy and risk prevention, stating that compliance is the lifeline of innovation [1] Group 1 - Ant Group has clearly defined its boundaries from the beginning, stating it will not issue virtual currencies or engage in any form of speculation [1] - The company focuses on technological infrastructure to serve the industry rather than disrupt it, aiming to create new value instead of competing for existing resources [1] - Continuous exploration and research are necessary for understanding value and risk, with a preference for steady progress over a rush for novelty [1]

新浪科技讯 9月11日下午消息，2025 Inclusion滩大会期间，蚂蚁集团CEO韩歆毅在谈及通证经济时表 示，"通证经济的行业共识正在形成，通证只有从虚拟的世界里，从单一的价值重组投资交易的对象， 去转变为实体经济，解决实体经济中信任效率和成本的一些工具，才真正有可能形成一个可持续、有深 度、有广度的生态体系，进而迸发出应有的价值。" 韩歆毅指出，过去我们看到大部分的通证经济的意义，只局限于了虚拟世界的内部循环，但现在全球 90%乃至于更高比例的资产仍然是金融资产，这里面绝大部分其实是虚拟的，他们很多都是以投资交易 和价值储存。因此，如果我们真正今天讨论通证经济，其实我们应该真正的去看那些能够去创造价值的 领域。（文猛） 专题：2025 Inclusion·外滩大会 责任编辑：江钰涵 ...

Core Insights - The report by Ant Group's research institute presents a systematic path for the tokenization of real-world assets (RWA), suggesting that this could lead to a new economic era where assets can be tokenized and traded in real-time [1] - The three core pillars of this transformation are the tokenization of real-world assets, tokenized payment settlements, and a secure and trustworthy environment [1] Group 1: Current Market Landscape - The RWA market has reached a size of $24 billion as of July 2025, with nearly 90% concentrated in financial assets like private credit and U.S. Treasury bonds, indicating a structural imbalance [2] - The true potential of tokenization lies in addressing the financing needs of real industries, particularly small and medium-sized enterprises facing high financing costs [2] Group 2: Challenges in Tokenization - The tokenization process faces challenges such as verifying asset status, legal ownership issues, and the lack of standardized models for cash flow prediction and value assessment [2][3] - The report highlights that the core value of asset tokenization is "trust penetration," allowing financing decisions to be based on asset performance rather than the credit of the entity [3] Group 3: Payment Ecosystem Development - A three-tiered payment ecosystem is emerging, consisting of central bank digital currencies (CBDC), deposit tokens, and stablecoins, with stablecoins reaching a total market value of $266.6 billion by July 2025 [4][5] - The report emphasizes the need for a connected payment network to enhance the efficiency of fund flows across different systems [6] Group 4: Trust Mechanisms and Technology - The transition from virtual to real-world applications of token economies is hindered by trust mechanisms that still rely heavily on centralized entities [7] - Future solutions are expected to focus on technology-driven native trust, utilizing digital identities and zero-knowledge proofs to enhance privacy and compliance [8] Group 5: Ecosystem Collaboration and Value Consensus - Successful implementation of tokenization requires collaboration among industry players, financial institutions, regulatory bodies, and technology companies [9] - The report raises questions about the need for legal frameworks and ethical standards as tokenization redefines ownership, usage, and profit rights [10]

Core Insights - Ant Group's CEO, Han Xinyi, discussed the future of Super Apps and Agents, suggesting that traditional apps may become obsolete as Agents take over their functions. The form of these new super entry points is still under observation [1] - Ant Group is focusing on the application of AI technology, particularly in healthcare. The distinction between low-frequency medical needs and high-frequency health needs is emphasized, with the goal of AI being to provide professional advice akin to that of a physician [1] - Han noted that while AI cannot replace real doctors in the near future, it can assist them by providing comprehensive insights and support, especially for grassroots healthcare providers [1] Summary by Categories Super Apps and Agents - The evolution of Super Apps and Agents may lead to a future without traditional apps, with new super entry points emerging [1] AI Technology in Healthcare - Ant Group is concentrating on applying AI in healthcare, highlighting the difference between low-frequency medical issues and high-frequency health concerns [1] - The primary objective of AI in healthcare is to deliver professional advice and problem-solving capabilities similar to those of qualified medical professionals [1] Role of AI in Supporting Healthcare Professionals - AI is positioned as a tool to enhance the capabilities of doctors rather than replace them, providing valuable assistance to grassroots healthcare providers [1]