Web3 banks are not intended to completely replace traditional banks, but rather to reconstruct financial infrastructure through technology, creating a more open and programmable economic system. Their success depends on three balances: the balance between decentralization and regulation, the balance between innovation and risk, and the balance between tech geeks and the general public. In the short term, a mixed form of 'traditional institutions + Web3 modules' may prevail, while in the long term, it may give rise to entirely new financial paradigms.