Golden Finance reported that Fiona Murray, managing director of Ripple Asia Pacific, pointed out that the United States' "lack of open thinking" is driving business overseas. Industry insiders and executives believe that the United States needs to quickly improve six key areas to remain competitive: talent development, bank support, user experience, central bank digital currency (CBDC), international cooperation and regulatory framework. Several experts stressed that the United States needs a more open attitude, otherwise it may continue to lag behind Asian countries such as Singapore, South Korea and Japan. They suggested that the United States refer to the European Union's Crypto Asset Market Regulation Act (MiCA) to balance innovation and consumer protection and maintain competitiveness in the global blockchain ecosystem.