Babbitt reported on the spot that on January 15th, at the "Break the World Fusion Blockchain and Digital Finance Summit Forum" co-sponsored by eBay Finance, a blockchain, and "Financial Finance" magazine, the China Internet Finance Association Li Lihui, the leader of the Blockchain Working Group and former President of the Bank of China, said: 1. Digital interaction may create a zero-distance, weakly intermediary economic structure. In the digital financial market, if we use the smart contract mechanism of the blockchain and the intelligent pricing and intelligent matching mechanism of artificial intelligence, it is possible to establish fair peer-to-peer direct transactions, thereby diluting intermediaries. The core of finance lies in the intermediary, so the de-intermediation effect of the digital market may impact the traditional financial model; 2. Digital trust may promote efficient and low-cost trust inclusiveness. Blockchain consensus algorithms and smart contracts and other technologies can express rules through algorithmic programs, which can determine and automatically execute commercial terms agreed by the parties to the transaction, and can introduce legal rules and nodes for supervision and control. We can build trust as long as we trust common algorithms and programs; 3. Digital currencies may lead to super-sovereign and super-bank financial disruption. Under the issuance mechanism of fiat digital currency, public deposits may shift from commercial banks to central banks, which may weaken the initial credit capacity and profitability of commercial banks.