专题：2026全球与中国资本市场展望论坛 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 1月15日，在2026全球与中国资本市场展望论坛上，北京宏道投资董事长卫保川分享了其对人工智能产 业投资路径的深刻洞察。 责任编辑：江钰涵 专题：2026全球与中国资本市场展望论坛 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 1月15日，在2026全球与中国资本市场展望论坛上，北京宏道投资董事长卫保川分享了其对人工智能产 业投资路径的深刻洞察。 卫保川用"修路"的比喻来描述当前AI产业的发展阶段："这个路已经修了三年，美国已投入近两万亿美 元。我认为必须先修好路，最终才能建起收费站。"他强调，真正的行业巨头将诞生于应用层，并指出 了当前已显现规模的应用方向："AI应用最早始于Chat，用于对话交流，至今其token生成量仍占主导。 其次是工具化的编程辅助，它替代程序员的能力日益增强。未来，各类智能体（agent）必将大量涌 现。" 卫保川进一步以互联网发展历史作为类比来强化他的判断。他指出："回顾2000年互联网初期，当时既 没有谷歌、新浪，更没有后来的阿里、腾讯、 ...

RT Tesla Owners Silicon Valley (@teslaownersSV)𝕏 Chat UpdateBlock Screenshot: hides chat messages in screenshots.Screenshot Notifications: alerts the chat when someone screenshots.Both now available.https://t.co/zHPrqR2Qtj ...

Core Viewpoint - The launch of the "Chat" feature on the X platform marks a significant step towards Elon Musk's vision of creating a "super app" similar to China's WeChat, integrating various functionalities such as messaging, payments, and video calls, but faces challenges regarding security and market acceptance [1][3][12]. Group 1: Product Features and Development - The "Chat" feature includes end-to-end encryption, disappearing messages, file sharing, and video calls, with a promise of "no ads, no tracking, complete privacy" [1][3]. - The feature is built using a self-developed protocol called Juicebox, which has raised concerns among experts regarding its security compared to established protocols like Signal Protocol [7][11]. - Chat has already been launched on iOS and web platforms, with an Android version expected soon, despite some early user complaints about performance [11]. Group 2: Market Context and Challenges - Musk's ambition to create a super app is inspired by WeChat, which has over 1 billion monthly active users and integrates various daily needs, but replicating this success in the U.S. market is seen as challenging due to existing competition and regulatory hurdles [4][8][9]. - The U.S. market is characterized by a preference for specialized applications, making it difficult for a single app to dominate multiple functionalities [9][12]. - Regulatory challenges are significant, as previous attempts by companies like Facebook to launch similar services faced strong opposition from regulators [9]. Group 3: Security Concerns - Experts have pointed out that the security mechanisms of Chat, such as the use of a four-digit PIN for private key protection, are inadequate and vulnerable to attacks [6][10]. - The lack of forward secrecy and other advanced security features raises concerns about the overall safety of the messaging system [6][10]. - Experts recommend that Chat should not be considered a secure alternative to established messaging apps until a thorough independent security audit is completed [11]. Group 4: Future Prospects - Musk's experience in the payments sector and the gradual acquisition of money transmission licenses indicate a potential for integrating financial services into the platform [10][13]. - The company aims to expand functionalities to include job recruitment, dating, and video streaming, positioning itself as a comprehensive digital ecosystem [10][13]. - The success of the Chat feature and the broader super app vision will depend on overcoming significant market and regulatory challenges in a competitive landscape [12][13].

Core Viewpoint - Google is accused of illegally tracking private communications of Gmail, Chat, and Meet users through its Gemini AI assistant without user consent [1] Group 1: Allegations and Legal Action - A lawsuit was filed against Google in the federal court of San Jose, California, claiming that the company secretly enabled the Gemini AI for Gmail, Chat, and Meet users in October [1] - The lawsuit states that users were not informed or did not consent to the collection of their private data by Gemini [1] - Although Google allows users to disable Gemini, the proposed class action highlights that users must navigate deep into Google's privacy settings to do so [1] Group 2: Data Access and Privacy Concerns - If users do not take the necessary steps to disable Gemini, Google is alleged to access and utilize the complete historical records of users' private communications, including every email and attachment in their Gmail accounts [1]

Core Points - Google is facing a significant class-action lawsuit alleging that it has allowed its Gemini AI assistant to secretly monitor private user data across Gmail, Chat, and Meet without obtaining prior consent or notification [1] Group 1 - The lawsuit claims that Google's actions violate user privacy and data protection laws [1] - The class-action suit could potentially involve millions of users who have interacted with Google's services [1] - This legal challenge highlights growing concerns over data privacy and the ethical use of AI technologies [1]

RT DogeDesigner (@cb_doge)𝕏 Chat Hack: Long-press the chat icon in the bottom bar to instantly open your frequent contacts and search menu.Fastest way to start a conversation. https://t.co/Foulg7k6hM ...

RT DogeDesigner (@cb_doge)How to switch to 𝕏 Chat?Swipe to bring the left menu → Tap "Chat" and then "Continue" → Create a passcode → Done https://t.co/l0ikiDPhyE ...

Product Launch - Believe app 推出了聊天功能，旨在构建和加入社区 [1] - 该应用已在 App Store 上线 [2] User Access & Community Management - 所有用户都可以阅读聊天内容 [2] - 只有前 100 名持有者可以发送消息 [2] - 创建者可以移除参与者 [2]

Core Points - Google has agreed to pay $30 million to settle a lawsuit regarding the collection of data from children under 13 on its YouTube platform [1] - The lawsuit claims that Google manipulated children by using their personal information to increase their time on YouTube, thereby boosting targeted advertisements and revenue [2] - Google admitted no wrongdoing in the settlement but argued that the lawsuit did not specify losses or prove that its data collection was beyond routine commercial behavior [3] Settlement Details - The settlement, pending court approval, could benefit an estimated 35 million to 45 million children who watched content on YouTube between July 1, 2013, and April 1, 2020 [5] - Lawyers estimate that claimants will receive at least $30 each, as only a small fraction of eligible individuals typically submit claims [5] - Following a previous settlement with the FTC and New York, Google stated it would limit data collection on children's videos and cease personalized ads for such content [6] Ongoing Legal Issues - Google is currently facing another lawsuit related to data collection from children through its education products, with allegations of tracking students' online activities and creating detailed profiles for marketing purposes [8][9] - The company maintains that data collected from its education services is not used for targeted advertising and emphasizes strong controls to protect student data [10] - In 2020, Google settled a lawsuit in New Mexico for $3.8 million related to data collection from children, establishing a privacy initiative in the state [11] Industry Context - The settlement comes amid increased scrutiny of Big Tech's practices regarding child users, particularly following revelations about Meta's AI bots interacting with children under 13 [12]

Product Updates - Binance added 7 new widgets to its app in July, including Alpha Events, Buy/Sell Crypto, Deposit/Withdraw Funds, P2P Price, Chat, Calendar, and BTC Valuation [1] - Users can access favorite features more easily with the new range of widgets [1]