数字货币的广泛推广和应用正在不断改变全球金融环境，以为个体和企业带来新的机会和挑战

Group 1 - The widespread promotion and application of digital currencies are transforming the global financial environment, creating new opportunities and challenges for individuals and businesses [2] - The rise of decentralized finance (DeFi) utilizes digital currencies and blockchain technology to create financial service platforms without traditional intermediaries, allowing users to lend, trade, and invest directly on-chain [2] - Digital currencies enhance the convenience of international trade by reducing intermediary involvement, lowering exchange rate risks, and decreasing transaction costs, thus improving efficiency [2] Group 2 - Central Bank Digital Currency (CBDC) development is being explored and implemented by central banks worldwide to enhance the efficiency and security of monetary systems, potentially altering traditional banking business models [2] - As the digital currency market grows, many countries are establishing stricter regulatory frameworks to ensure market stability and user safety, making compliance a key factor for the success of enterprises and projects [2] - User education and training are becoming increasingly important due to the complexity of digital currencies, with more training programs, online courses, and community support emerging to help users understand the basic concepts and risks [2] Group 3 - Continuous technological innovation will enrich the functionalities of digital currencies, leading to the emergence of more decentralized applications (DApps) that provide users with a smoother experience [4] - The potential integration of traditional financial institutions with digital currency projects may enhance the flexibility of the traditional financial system through offerings like digital wallets and payment solutions [4] - The widespread use of digital currencies may trigger new social and economic transformations, emphasizing personal privacy protection, establishing decentralized trust mechanisms, and challenging monetary policies [4]