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.
540 million years ago, the Cambrian explosion of life reshaped the Earth's ecosystem; in the 2025 encrypted world, a "digital Cambrian" triggered by fully homomorphic encryption (FHE) is descending. When Mind Network's 54,000 AI agents complete 1.2 million hours of training in the encrypted ecological AgenticWorld, they not only validate the feasibility of technology but also symbolize the awakening of a new era— the liberation of data value is giving birth to a new form of civilization. The Cambrian biological evolution history reveals: the explosion of species diversity originates from innovative combinations of genes. Today, FHE technology is like a "gene splicing tool" in the digital world, organically merging originally opposing data privacy and value flow. Taking the practice of Mind Network as an example, medical AI models can train disease prediction algorithms without decrypting patient genomic data, and financial contracts can implement dynamic risk control on user assets in an encrypted state. This characteristic of "data being usable but not visible" essentially creates a new survival law for digital life forms.