Web3 banks represent a revolutionary direction in the financial industry, redefining traditional banking business models based on blockchain, smart contracts, and decentralized technology. 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 investing 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, as compliance frameworks improve and cross-chain technology matures, Web3 banks may become an important complement to the mainstream financial system, promoting the large-scale application of open finance (DeFi) and digital assets. #vaults