Zhao Changpeng stated at the 2026 Annual Meeting of the World Economic Forum in Davos that the demand for physical banks will significantly decrease over the next 10 years. With the development of technologies such as blockchain and KYC, the need for users to visit physical banks is declining. Although banks will not disappear, their branch networks will be greatly reduced. In addition, he expressed skepticism about directly using Bitcoin for payments and transfers. Despite years of industry investment, the failure rate in the innovation field is very high. Zhao Changpeng believes that Meme tokens are similar to previous NFTs and the Metaverse, carrying very high risks and highly speculative value. While projects with cultural value like Dogecoin may exist long-term, most Meme tokens will not endure.