[CZ: Predicting a Significant Decline in Demand for Physical Banks Within 10 Years] Odaily Planet Daily reports that CZ stated at the Davos World Economic Forum that the demand for physical banks will significantly decrease in the next 10 years. With the development of technologies such as blockchain and KYC, the need for users to visit physical banks is declining. While banks will not disappear, their branch networks will be greatly reduced. Additionally, CZ expressed skepticism about directly using Bitcoin for payments, noting that despite years of industry investment, the failure rate in innovation is extremely high. Zhao Changpeng believes that Meme tokens are similar to previous NFTs and the Metaverse, carrying extremely high risks and being highly speculative in value. While culturally significant projects like Dogecoin may persist in the long term, most Meme tokens will not endure.