Digital Assets: A New Path for Financial Innovation and Consumer Protection

Abstract

With the rapid development of the digital economy, digital assets have gradually become an important driving force for the transformation of the financial system. Based on technologies such as Blockchain, digital assets have played a significant role in improving financial efficiency, promoting product innovation, and advancing inclusive finance. At the same time, their characteristics of decentralization and transparency have, to some extent, provided new pathways for consumer protection.

However, the development of digital assets is also accompanied by issues such as price volatility, technological risks, and regulatory gaps, which pose challenges to financial stability and consumer rights. Based on a review of relevant theories and literature, this paper systematically analyzes the mechanisms through which digital assets promote financial innovation and consumer protection, and explores their potential risks and optimization paths. The study finds that digital assets can achieve a synergy between innovation and protection, but this depends on the establishment of a sound regulatory framework, strengthened technological security, and improved investor education.

Keywords: Digital Assets; Financial Innovation; Consumer Protection; Blockchain

Citation

Xiang S, Tang Y, Zhang J. Digital Assets: A New Path for Financial Innovation and Consumer Protection. WebLog J Public Health Epidemiol. wjphe.2026.d2501. https://doi.org/10.5281/zenodo.19943655