币界网报道：Designing for the Real World: Reflections on Building with the Finternet The Finternet, a term coined by the Bank for International Settlements (BIS), envisions a financial ecosystem where digital and traditional finance seamlessly integrate. Developers and policymakers are now exploring how to design user-centric applications that bridge decentralized finance (DeFi) with real-world financial services. Key challenges include ensuring regulatory compliance, improving interoperability, and enhancing security while maintaining decentralization principles. The BIS emphasizes the need for collaboration between public and private sectors to create scalable solutions that serve everyday users. Innovations like tokenized assets and smart contracts are seen as pivotal, but adoption hinges on intuitive interfaces and trust-building measures. The Finternet framework aims to foster a more inclusive, efficient financial system by leveraging blockchain's transparency without sacrificing stability.