According to CoinMeta, co-founders NEAR and protocol, represented by Illia Polosukhin, the improvement of on-chain transactions and financial tools is reducing users' dependence on centralized exchanges. NEAR has integrated cross-chain spot trading, perpetual contracts, tokenized stocks, and yield products through NEAR.com and plans to add features such as bank withdrawals, tax recordkeeping, and selective disclosure of private transactions. Illia Polosukhin believes that AI and agent may become important entry points for on-chain markets in the future, where users can make requests in natural language and have them executed by AI and agent. NEAR has collaborated with Monerium to expand euro fiat channels and has integrated tokenized stocks through Ondo Finance.