Ten Questions for AD, Head of Payment Division at Huobi HTX: Sincerity, Simplicity, and Utility—The Foundation of Crypto Payments
TechFlow Selected TechFlow Selected
Ten Questions for AD, Head of Payment Division at Huobi HTX: Sincerity, Simplicity, and Utility—The Foundation of Crypto Payments
Enter the world of Huobi HTX's crypto payments, and you'll hear the frontline gunfire—the challenges of the market, and also the echoes of growth.
Navigating Web3 tides with focused insights
In an era of surging digital economy, crypto payments are no longer just tools for transactions—they carry trust, responsibility, and mission. Every flow of funds represents users' trust and expectations; every technological iteration reflects the team's dedication and perseverance. Step into the world of HTX crypto payments, and you’ll hear the frontline gunfire—the challenges of the market, but also the echoes of growth.
AD, Head of HTX’s Payment Division, has journeyed from a novice “elementary student” in the industry to a “guardian” entrusted with user confidence and industry responsibility. His path of exploration and persistence tells a story of courage, focus, and accountability.
Hearing the Sound of Frontline Gunfire
1. When you first took over HTX's payment business, how did you understand "crypto payments"? How has that understanding evolved as the industry developed?
AD: When I first entered this industry, I often compared myself to an “elementary student.” Transitioning from the internet sector into the crypto world, everything was unfamiliar and fresh. Yet in terms of business management and operations, I moved forward confidently as a mature professional. What brought me this far is the courage to “jump in”—engaging deeply with users, merchants, and countless veterans through communication and practice. I’ve always chosen to stay on the front lines. Only by doing so can past business experience truly take root and flourish in this new frontier.
I constantly remind my team: we must always hear the sound of frontline gunfire. If everyone from me down to our frontline colleagues cannot hear it—or hears it but fails to discern its direction—we are not qualified practitioners. Looking back at modern military history, great commanders are those who can calmly assess the big picture while offering precise guidance on the battlefield. True professionals must possess such acuity and responsibility.
At the same time, I never believed in taking the path of “copying.” Since restarting the business at the end of 2022, I’ve firmly believed that only by leveraging our own background and stage could we carve out a unique path and break through intense competition. Over the past three years, we’ve set clear growth strategies each quarter—rhythmic and focused, never losing direction.
Clayton Christensen pointed out in The Innovator’s Dilemma that opportunities often emerge from overlooked gaps. I strongly agree. Our explorations align perfectly with this insight. We didn’t just find our own opportunities—we repeatedly broke through the “iron walls” erected by industry giants, reshaping the world’s perception of HTX.
2. Have you ever personally listened to users’ voices? Is there a particular story that made you realize, “We’re not running a production-line service, but safeguarding a trust?”
AD: As I often say, qualified practitioners must hear the “sound of frontline gunfire.” For this reason, we conducted extensive internal and external user research. But what touched me most was seeing our internal employees’ adoption of our product—from nearly zero at the beginning to almost universal usage today.
Now, including former colleagues, HTX employees consistently use our products. It’s like restaurant owners confidently eating their own food—only then can they earn customers’ trust. The reason our product earns user trust is precisely because it first won over our own people.
Risk Control First, Security Above All
3. In your view, what do users ultimately rely on when choosing a crypto payment channel? Speed, price, or something deeper—security and trust?
AD: Our division oversees deposits, withdrawals, trading, conversions, and fiat transactions overseas for HTX. This question cuts straight to the core of finance. At its heart, finance is always about security and trust. Without robust risk control, even massive scale and lightning speed are nothing more than castles in the air.
That’s why we built “Zhenxuan Station.” It’s not merely a product—it’s our ultimate pursuit of financial essence. Zero freezes in C2C means almost “zero losses.” Imagine an investment that preserves principal while generating solid returns—that’s true excellence. We’ve uncompromisingly ensured fund safety, making every transaction carry the weight of trust.
The value of finance isn’t just cold numbers and efficiency. It’s being the most reliable anchor for users amid the turbulence of the crypto world. That’s the初心 (original aspiration) we uphold.
4. Crypto payments are deeply intertwined with financial systems. Risk control means staying sharp under constant pressure. How do you personally view the word “risk”?
AD: The primary principle of finance is always risk control. Justin, HTX’s global advisor, continuously reminds and emphasizes this point. To support this, the entire HTX group has established comprehensive risk and security teams. Within the payment department, we have a dedicated independent risk team ensuring every transaction is under rigorous protection. This enables us to achieve minute-level risk intervention, backed by tight coordination between automated monitoring models and manual reviews.
Finance isn’t about who runs fastest—it’s about who lasts the longest. We certainly pursue growth, but our foundational principle remains: “Risk control first, security above all.”
Stable Progress Built on Solid Foundations
5. Recently, Zhenxuan Station launched “Zero Freeze, 100% Full Compensation.” It sounds like a promise, but behind it lies a powerful risk system and sense of responsibility. Can you share a memorable user case?
AD: So far, we haven’t had any cases where user funds were frozen, so I don’t have a direct story to share. But one merchant’s experience left a deep impression.
After Zhenxuan Station ignited the market, many merchants came with large investments seeking to join—but we politely declined them all. It may sound unbelievable, but our team operates with principles and初心 (original aspiration): we don’t chase short-term gains, but genuinely solve industry pain points.
Later, competitors began following suit and tried poaching our selected merchants with high salaries and top-tier offers. Yet these merchants chose to stay with HTX, largely due to our unmatched 24/7 attentive service—our team responds instantly to any user or merchant request. That sincerity is irreplaceable.
Within less than three years since restarting our payment business at the end of 2022, we’ve risen to the forefront—because we’ve consistently chosen to do difficult but right things. Along the way, veteran team members had doubts, but I firmly believed that putting users first would ultimately build the glory of HTX Payments. This commitment is our heartfelt response to the industry and users.
6. Amid global compliance trends and industry volatility, how does Zhenxuan Station balance between “moving steadily” and “running fast”?
AD: We consistently emphasize our commitments of zero freeze and 100% compensation. Behind this are nearly three years of relentless infrastructure development. Initially, these efforts may have slowed visible growth, but they ensured healthy business progression.
If you examine our order growth curve over the past three years, it forms a perfect 40-degree upward slope—steady progress with clear rhythm. This fully demonstrates the scientific effectiveness of our phased strategies. Only by solidifying foundations early can we truly accelerate later. Looking back now, the opportunity has arrived at just the right moment—and we’ve seized it firmly.
Notably, Justin, as HTX’s global advisor, has brought strategic vision and global resources over the past three years, continuously advancing HTX’s compliance, internationalization, and diversified ecosystem development. Our business happened to reach inflection point at this juncture—an exemplary case of the “Davis Double Play.” Fundamentally, this wasn’t accidental, but an inevitable outcome of sustained accumulation.
The Essence and Mission of Crypto Payments
7. If you had to describe the difference between HTX crypto payments and other channels using a few words, what would they be? Why?
AD: Sincere, simple, practical.
As mentioned earlier, HTX has gone through complete business cycles and endured numerous trials. Today, standing back on the historical stage, we feel even more profoundly the hard-earned attention and expectations bestowed upon us.
This attention itself serves as a reminder—to always put users first, diligently perform every duty, create value for users, and contribute to the entire industry.
8. Today’s crypto payments are no longer just auxiliary features of exchanges, but gateways carrying the industry’s trust. What do you see as the responsibility and significance of HTX’s payment business within the broader industry landscape?
AD: HTX was once the industry leader, known as the “Whampoa Military Academy of Crypto.” The C2C service we see today was actually pioneered by HTX, driven by a team with championship-level heritage.
As widely known, after Justin joined HTX, he has continuously provided guidance in strategy, ecosystem building, and global expansion. He doesn’t just offer high-level consulting on platform development—he also delivers actionable, implementable advice on specific operations. Therefore, his repeated call to “lead HTX back to the top three” is far more than a slogan; it’s a guiding beacon for our journey. His contributions to the industry have helped many recognize and understand this emerging world.
As part of the group, we focus on solving real problems for the industry and users. Zhenxuan Station is just the beginning. Going forward, we will continue to leverage this championship heritage, introduce innovative initiatives, set industry benchmarks, deliver tangible benefits to users, and drive healthier, more stable industry development.
9. Looking ahead, what vision do you most hope to see realized for HTX crypto payments?
AD: Justin’s belief and persistence have shown me the power of ideals; HTX’s vision makes me believe these ideals can become reality. Interwoven, they fuel our continuous advancement.
“Our mission: Build a Metaverse Financial Free Port.
Our vision: Enable financial freedom for eight billion people worldwide.
Our organizational values: Users first, always strive to win, embrace change, long-termism.
Our member values: Simple believers and fighters, integrity and honesty, always-on professionals, ordinary people achieving extraordinary things.”
If one day this industry becomes truly universal, our products will, like our vision, reach billions. Of course, such a vision may extend beyond my generation. But we hope this sense of mission and passion will be passed down, inviting more people to join us in driving the industry toward true accessibility and freedom.
10. What would you like to say to all current and future users of HTX crypto payments?
AD: Thank you to all users for your unwavering support and ongoing supervision—your trust enables us to deliver excellent results. And we sincerely invite those who haven’t yet experienced our services to give us a chance. We’re confident you’ll be satisfied.
About HTX
Founded in 2013, HTX has evolved over 12 years from a cryptocurrency exchange into a comprehensive blockchain business ecosystem, encompassing digital asset trading, financial derivatives, research, investment, incubation, and more.
As a leading global Web3 gateway, HTX adheres to a development strategy of global expansion, ecosystem prosperity, wealth effects, and security compliance, delivering comprehensive, secure, and reliable value and services to crypto enthusiasts worldwide.
To learn more about HTX, visit https://www.htx.com/ or HTX Square, and follow X, Telegram, and Discord. For inquiries, contact glo-media@htx-inc.com.
Join TechFlow official community to stay tuned
Telegram:https://t.me/TechFlowDaily
X (Twitter):https://x.com/TechFlowPost
X (Twitter) EN:https://x.com/BlockFlow_News
