If I could get a hand in the product decisions of a mainstream stablecoin lending ecosystem, I would focus on these three things—rather than pursuing the grand vision of ecosystem scale, it's better to perfect the "soft power" of user experience.

**First Action: Standardize the Lending and CDP Interaction Interface**

This should have been done long ago. Novice users don't care about the concepts of "classic lending" and "CDP"; they just want to collateralize assets to obtain stablecoins. Why learn two different UI logics? There should be a single interface where users choose different options based on their needs, and the system intelligently recommends the optimal path. This is a necessary condition for retaining new users.

**Second Action: Equip RWA Products with a "Yield Transparency Dashboard"**

The current presentation is too monotonous—just an annualized percentage. I suggest creating a visual dashboard that shows users exactly where their funds are flowing—such as which government bonds or bond types—and how daily yields fluctuate. It can also push relevant traditional financial news updates. Making users understand where their money is invested can significantly boost trust through transparency.

**Third Action: Establish an "On-Chain Credit Score" System**

This is paving the way for future credit lending. Currently, let users see their "potential credit score," which can be gradually improved through timely repayments, long-term deposits, and participation in governance voting. Turn it into an engaging growth system, so users are naturally attracted to build their on-chain reputation.

Storytelling can easily attract attention, but what truly determines user retention are the details. Behind a fund of 4.3 billion, there are thousands of users. Making them feel the product is easy to use is far more valuable than making them think the ecosystem is "awesome."