Recently, some industry insiders have been discussing new ideas for Bitcoin's future applications. There's an interesting perspective worth talking about—how to turn Bitcoin into a low-risk savings tool accessible to the masses.

The core idea is this: provide 1 billion people with a stable annual return of 8%, while eliminating traditional volatility issues. It sounds like a pipe dream, but the underlying logic is to redefine "money" itself through technology.

So how does it work? It involves layering and packaging Bitcoin. First, transforming it into a digital credit layer, then evolving into a digital currency layer, during which 80-90% of price fluctuations can be absorbed. The result is: you deposit 100 units, and when you withdraw, you still get 100 units, but in the middle, it automatically accumulates several times the "risk-free return."

From this perspective, it's not just a simple hodl strategy but a re-examination of the entire financial system. The interest from traditional banks? Easily crushed. More importantly, ordinary people can beat inflation and achieve true preservation and appreciation of value without gambling on stocks.

The ultimate goal of this approach is to bypass middlemen, returning value storage and circulation to a more transparent and efficient track. If truly realized, the impact on traditional financial structures would be unimaginable.