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article045 : This level of cooperation is equivalent to a bank using Microsoft Office software, but packaged as a "Microsoft strategic investment." The PaiCoin white paper shows that 65% of its core team consists of former bank technical personnel, which explains why it was able to quickly connect to bank API interfaces. However, the white paper also notes that Bank of China only opened HKD-RMB exchange testing in its Shenzhen branch, and Agricultural Bank of China's agricultural product traceability chain data storage (with an average daily transaction volume of less than 20 transactions). The actual coverage of financial application scenarios is less than 3% as claimed in the white paper. It's worth noting that in the blockchain filing list updated by the Cyberspace Administration of China in March, PaiCoin's filing category is "information services," not "financial applications."