Ripple recently released the "Report on the Status of Application of Blockchain Payments in 2019". According to the report, financial service providers have widely adopted blockchain-based payment methods. This widespread adoption has shown that both customers and providers have demonstrated the value and feasibility of blockchain technology. According to the report data, 35% of respondents are concerned about the potential difficulty and time required to integrate blockchain and digital assets in their business. The application of blockchain in the payment field will speed up and simplify the operation process. 35% of the respondents believe that the regulations are too uncertain, while 32% believe that the regulations are too strict, and the blockchain requires clear regulatory policies in the payment field.