#CZ at Davos made a clear point: “Banks won’t disappear, but their role will shift as digital finance becomes $NOM the norm.” Today, moving money through banks often involves forms, fees, and delays, especially for international transfers. Crypto, on the other hand, allows $AUCTION instant transactions, reflecting how people actually live and spend. Banks aren’t useless—they’re just not optimized for modern convenience. Historically, services $AXL that offer speed and ease tend to win, whether it was email over letters, streaming over DVDs, or digital payments over cash.