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