Against the backdrop of accelerating urbanization and diversifying social demands, aerospace technology has extensively permeated numerous fields such as logistics and transportation, emergency and disaster relief, environmental monitoring, and urban transportation. Its application scope is expanding from traditional reconnaissance and surveillance to complex scenarios like material transportation, manned operations, and precision maintenance. Within this trend, high-payload, vertical take-off and landing (VTOL), and high-safety aircraft have become key equipment for enhancing operational efficiency across multiple sectors. Among these, high-payload ducted fan aircraft, with their high safety, excellent low-speed performance, and outstanding VTOL capability, demonstrate unique advantages in tall building fire suppression, power lines and towers maintenance, and personal flight experiences. This paper first outlines the diversified application prospects of aerospace technology, then focuses on high-payload ducted fan aircraft. It discusses the technical requirements specific to such aircraft in the aforementioned key scenarios and analyzes the critical technical bottlenecks hindering their broader application, along with potential viable solutions.