To be honest, many people who have been in crypto for a long time face a real problem: it's easy to transfer money on-chain, but actually using it is not so smooth. USDT transfers arrive in minutes, but once you want to do something else with those funds, like converting to fiat currency or investing in US or Hong Kong stocks, the process suddenly becomes complicated. Exchanges, OTC, currency conversion, offshore accounts… after going through the whole cycle, not only are there many steps, but it's also quite time-consuming.