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Web3 banking represents the innovative direction of the financial industry, relying on blockchain, smart contracts, and decentralized technology to redefine traditional banking business models. Compared to traditional banks, Web3 banks offer higher transparency, autonomy, and global service capabilities, allowing users to truly control their assets without relying on centralized institutions for cross-border payments, lending, and investing. However, its development still faces challenges such as regulatory uncertainty, technological security risks, and user awareness barriers. In the future, as compliance frameworks improve and cross-chain technology matures, Web3 banking may become an important complement to the mainstream financial system, promoting the large-scale application of open finance (DeFi) and digital assets.