Core Insights - The article highlights the increasing concerns of consumers regarding prepaid services, particularly in fitness and beauty sectors, where businesses have been known to abscond with funds after consumers make payments [1] - A new regulatory platform, "Guangxin Prepaid," has been launched to shift from reactive measures to proactive regulation, ensuring consumer funds are secured through a comprehensive oversight mechanism [1] Group 1 - The "Guangxin Prepaid" platform aims to create a full-chain regulatory loop by integrating merchant registration, contract signing, fund custody, and risk warning systems, thereby enhancing consumer protection [1] - Consumers can use the "Guangxin Prepaid" WeChat mini-program to purchase prepaid products, with funds displayed in a "regulated fund" account for transparency [1] Group 2 - The "Yuan Guanjia" product ensures that prepaid funds are secured in a digital RMB wallet with smart contracts, which automatically manage fund transfers based on predefined conditions [2] - In cases of merchant bankruptcy or service cessation, the smart contract guarantees the safe return of prepaid funds to consumers, and refund requests can be initiated directly by consumers under agreed conditions [2]