The famous open-source software theory "The Cathedral and the Bazaar" is revived.

Cathedral: Precision design, strict hierarchy, planned blueprints by top architects. Its advantage is "integration", providing a one-stop silky experience (CEX+Wallet+Chain), while its weakness is "closure", where every brick needs to pass approval.

Bazaar: Noisy, chaotic, filled with cries of vendors and fraud, but also full of vitality. Its advantage is "emergence", no one knows what the next hit product will be, but a hit product will certainly be born out of chaos.

Historically, bazaars have often been more innovative than cathedrals, but in the financial sector, people naturally crave the security of cathedrals.