According to Wu, the well-known incubator Y Combinator has issued 20 requirements for startups, mainly in the field of artificial intelligence. The only cryptocurrency-related one is stablecoin finance. Brad Flora, a partner at Y Combinator, wrote that $136 billion in stablecoins have been issued so far, but the opportunity seems to be much greater; only about 7 million people have used stablecoins, while more than 500 million people live in countries with inflation rates of more than 30%; the $17 trillion in customer deposits held by U.S. banks is also a potential target.