The progress of digital finance is remarkable, yet in our daily payments, we often still find ourselves on the old tracks of Web2. Layers of intermediaries accumulate, making fees and delays inevitable, while the pathways for cross-border capital flows remain obscure. Every time we compromise for convenience, users unknowingly give up control over their own assets. In finance—a sector where trust is paramount—the price of trust is often the loss of efficiency. This paradox of the Web2 era is also the challenge left to innovators by reality.