Dong Xiwei, chief researcher of Xinwang Bank and chief researcher of Zhongguancun Internet Finance Research Institute, said that the blockchain has not been widely applied in the past, and an important reason is that physical performance is not high. For example, Bitcoin supports up to 6 transactions per second, while Paypal can support 193 transactions per second on average, and Visa can support 1667 transactions per second on average. In addition, the blockchain is difficult to tamper with, and it does not mean that it cannot be tampered with. Therefore, the application of blockchain still has many problems and problems such as security and stability, privacy protection, responsibility identification, and compliance risk. The underlying technology needs to be developed.