Against the background of the high-quality development of higher education in the new era, university financial assistance work is transforming from “guarantee-oriented” to “development-oriented,” emphasizing the integration of economic support and talent cultivation, and improving students’ comprehensive quality and sustainable development capabilities. As an innovative carrier for talent cultivation, the “one-stop” student community, with the advantages of being close to students’ lives and integrating resources, provides an ideal platform for developmental financial assistance. The two are highly consistent in philosophy: the former focuses on ability growth and potential stimulation, while the latter realizes the sinking of education through spatial reconstruction and service integration. In practice, through multi-departmental linkage, a four-dimensional service system, and digital intelligence support, an integrated model of “assistance-service-development” has been constructed, effectively realizing the transformation from “blood transfusion” to “blood production,” and providing a practical paradigm for universities’ “all-staff, whole-process, and all-round education.”