Core Insights - Ant Group launched the world's first trusted connection technology framework for smart glasses, named gPass, at the 2025 Inclusion Bund Conference, focusing on "security, interaction, and connectivity" [1][2] - The current AI glasses industry is still in the basic interaction stage, with significant gaps compared to smartphones, due to limited hardware capabilities and a fragmented software ecosystem [1] - gPass aims to address the urgent need for a unified, secure, and interconnected infrastructure to advance AI glasses from basic tools to personal intelligent assistants [1][2] Security Capabilities - gPass incorporates financial-grade security features, ensuring user information safety through trusted identity circulation, end-to-end encryption, and device authentication [2] - The technology has successfully adapted to both Android and RTOS chip-level security solutions [2] Interaction Features - gPass integrates biometric technologies such as voiceprint, iris, and fingerprint recognition for seamless user verification, enhancing reliability and security [2] Connectivity Functions - gPass intelligently recognizes user context, enabling instant and secure message exchanges with various smart devices, featuring cross-device synchronization and multi-modal reminders [2] - The technology has been applied to brands like Rokid, Xiaomi, Quark, and Thunderbird, with future applications in healthcare, travel, and cultural sectors [2]

Core Insights - The discussion at the 2025 Inclusion Bund Conference highlighted the transformative potential of AI in redefining user interfaces, business models, and industry divisions [1] Group 1: AI Applications and Market Dynamics - The rise of AI has initiated a competition for user entry points, with significant implications for software demand, particularly in low-code and no-code applications, which may see a 10% reduction in user numbers [3] - Investors are focusing on user retention as a key metric for AI products, noting that the cost of user recall for AI products could be over ten times that of mobile internet products [3] - Specialized AI applications in sectors like healthcare are seen as irreplaceable by general models, with a focus on personalized services and high-frequency user engagement [3][4] Group 2: Hardware Innovations and User Interaction - AI is driving a reimagining of hardware, with products like AI phones, glasses, and robots emerging, emphasizing the importance of user engagement and interaction [4] - AI glasses are changing interaction paradigms, with usage frequency reported to be 6 to 7 times higher than that of mobile phones [5] - The future of AI hardware lies in creating scenarios with strong user stickiness, particularly in AI glasses [4][5] Group 3: Entrepreneurial Opportunities and Market Trends - The AI sector is expected to experience a significant surge in applications in the coming year, with ample opportunities for entrepreneurs [5] - There is a noted difference in AI entrepreneurship between the US and China, with the US focusing more on B2B and China excelling in C2C applications [5] - In specialized service areas, there remains substantial room for entrepreneurial exploration, particularly in healthcare AI [5][7] Group 4: Challenges and Strategic Focus - Companies should prioritize high-quality data chains, professional capabilities, and ethical considerations over immediate commercialization in the AI healthcare space [6] - The focus should return to understanding human needs, which remain constant, while leveraging AI for enhanced user experiences [7]

（文章来源：北京商报） 韩歆毅强调，"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。"今天 我们无论对于价值还是风险的理解可能都远远不够，仍需要持续不断地长期探索和研究，行稳致远比单 纯求快求新重要得多。"韩歆毅说。 9月11日下午，2025 Inclusion外滩大会期间，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。 ...

在2025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。"结合蚂蚁的探索实践和行业演进现实，韩歆毅指出，当下正迎来通证经济的"破晓时刻"，正如晨 曦微露，朝阳跃出海面还需要持续扎实探索。韩歆毅指出，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。 ...

韩歆毅强调，"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。"今天 我们无论对于价值还是风险的理解可能都远远不够，仍需要持续不断地长期探索和研究，行稳致远比单 纯求快求新重要得多。"韩歆毅说。 北京商报讯（记者 刘四红）9月11日下午，2025 Inclusion外滩大会期间，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。 ...

Core Viewpoint - The future of token economy must be deeply rooted in the real economy to truly unleash value, transitioning from a virtual world focus to addressing trust, efficiency, and cost issues in the physical economy [1]. Group 1: Token Economy and Real Economy Integration - The global scale of Web3 native assets has exceeded $3.8 trillion, but most of it remains focused on speculative trading and value storage, lacking sufficient interaction with real industries [2]. - Ant Group has been exploring the token economy, particularly through its RWA sandbox practice, aiming to anchor real value and enhance efficient circulation and value interconnection in the real economy [3]. Group 2: Technological Advancements and Applications - The current moment is seen as the "dawn" of the token economy, driven by advancements in blockchain infrastructure, AI, and IoT, which are creating more digital assets suitable for tokenization [3]. - Asset tokenization is expanding from the financial sector to broader real industries such as renewable energy and computing power, transitioning from serving on-chain investments to supporting real industry financing [3]. Group 3: Compliance and Risk Management - The exploration of tokenization should balance value exploration and risk management, with compliance being essential for innovation [4]. - Ant Group has established clear boundaries from the beginning, avoiding virtual currency issuance and speculative activities, focusing instead on technological infrastructure to serve rather than disrupt industries [4].

Core Viewpoint - Ant Group's CEO, Han Xinyi, emphasized that AI will not replace doctors in the foreseeable future but should serve as an assistant to enhance their capabilities [1] Group 1: AI in Healthcare - Ant Group is committed to using AI to support doctors, helping specialists expand their capabilities towards becoming general practitioners [1] - The company has established a medical health laboratory to explore AI-enabled multidisciplinary team (MDT) consultations [1] - Han stated that the only viable path for AI in healthcare is through human-machine collaboration [1] Group 2: Challenges in AI Medical Implementation - Han identified three core challenges in the implementation of AI in healthcare: high-quality data, suppressing hallucinations, and medical ethics [1] - 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 [1] - Suppressing hallucinations while maintaining model performance is a significant challenge, necessitating a balance between reducing errors and preserving service capability [1] - Ant Group has established a medical ethics advisory committee to explore regulations in this previously unaddressed area [1] Group 3: Market Focus and Strategy - Despite the healthcare market being valued at trillions, Ant Group is not in a rush to commercialize its AI healthcare solutions in the coming years [1] - The company aims to focus on accumulating professional data, suppressing model hallucinations, and building medical ethics frameworks [1] - Han believes that as long as the services are professional and trustworthy, users will naturally engage with them [1]

Core Viewpoint - The CEO of Ant Group, Han Xinyi, believes that the token economy is at a "dawn moment" and must be deeply rooted in the real economy to truly unlock its value [1][4]. Group 1: Token Economy Insights - The global Web3 native asset scale has exceeded $3.8 trillion, but most of it is still focused on speculative trading and value storage, lacking deep interaction with the real economy [4]. - If tokens remain confined to internal cycles within the virtual world, their value potential will be very limited [4]. - Ant Group has been exploring the token economy for years, particularly through recent RWA sandbox practices, aiming to anchor real value and enhance efficient circulation and value interconnection in the real economy [4]. Group 2: Technological and Application Developments - The token economy is seen as emerging, requiring ongoing exploration based on the maturity of technology, assets, and scenarios [5]. - Advances in blockchain infrastructure, AI, and IoT are creating more digital assets suitable for tokenization, while privacy computing technologies are evolving traditional trust models into digital trust mechanisms [5]. - Asset tokenization is expanding from the financial sector to broader real industries, transitioning from serving on-chain investments to supporting real industry financing [5]. Group 3: Future Growth Engines - "Asset tokenization" and "token payments" are identified as key growth engines in the Web3 space, facilitating the deep integration of the crypto economy with the real economy [5]. - These two elements are expected to merge into a new infrastructure that supports efficient value circulation in the real economy [5]. Group 4: Compliance and Risk Management - The exploration of tokenization should balance the pursuit of value and risk management equally [6]. - Compliance is viewed as the lifeline of innovation, with Ant Group focusing on technological infrastructure to create new value while clearly defining boundaries from the outset [6]. - Continuous exploration and research are emphasized as more important than merely seeking speed and novelty [6].

Core Insights - Ant Group's CEO Han Xinyi emphasized the importance of specialized AI models in the healthcare sector, stating that general models cannot easily replace them in the short term [1][3] - The dual characteristics of "urgent need + high frequency" in healthcare drive Ant Group's exploration of AI in this field, 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, which general models struggle to achieve [3] Data Quality and Challenges - High-quality data is fundamental for AI healthcare applications, with costs for data labeling and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts [4] - The challenge of suppressing hallucinations in AI models is crucial, as it involves balancing the reduction of errors without compromising service capabilities [5] - 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] Market and Future Focus - Despite the healthcare market being valued at trillions, Ant Group is not rushing into commercialization but is focusing on accumulating professional data, suppressing model hallucinations, and building medical ethics [5] - 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 [5]

据悉，其中AI数字客服团队可帮助中小企业提升约70%的人效，降低35%的运营成本，并大幅提高业务 转化率。在数字蚂力的电商客户实践中，这一模式已为企业带来约10%的GMV增长。 在以"AI驱增长 效能即未来"为主题的见解论坛上，中金公司执行总经理、中金研究院创新经济组负责 人周子彭说道，服务业AI应用目前仍面临显著的"技术—商业"鸿沟，落地难点主要集中在性能、成本与 协同机制不足等三大方面。 【环球网科技综合报道】9月11日，在2025 Inclusion·外滩大会上，蚂蚁集团旗下数字蚂力宣布实现重大 产品升级，正式推出首批专家级"AI数字员工团队"，覆盖客服、营销、巡检、销售培训及研发五大核心 业务领域，致力于将AI深度融入企业运营，为企业提供可量化、确定性的业务增长结果，破解AI在真 实场景中"落地难、见效慢、协同繁"的共性困境。 据了解，数字蚂力本次发布的五大AI数字员工团队各具特色，功能覆盖企业核心业务环节。这些AI数 字员工具备清晰的角色定位与目标，能够作为责任主体融入现有组织。 其中，"AI数字客服团队"提供7×24小时的客户服务支持，让每次客户互动都成为挖掘增长机会；"AI营 销团队"能精准捕捉 ...