金融化则是另一条延伸路径。平台基于真实交易流水和账期优势，提供支付、结算、信贷或保理等服务，通过提高资金周转效率创造价值。这种模式并不直接提高抽佣，而是将交易规模转化为金融效率。
Last month the government launched a three-month consultation on banning social media for under-16s in the UK, after the world's first ban took effect in Australia last year.
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Around 200 of these hands are in use, mostly by researchers at universities and tech firms.