At the World Economic Forum in Davos, CZ stated that demand for physical banks will decrease significantly 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. While banks won't disappear, their branch networks will shrink considerably. Furthermore, he expressed skepticism about the direct use of Bitcoin for payments, citing the extremely high failure rate in this area despite years of industry investment. Zhao Changpeng believes that Meme tokens, similar to previous NFTs and Metaverse, are extremely risky and highly speculative. While projects with cultural value like Dogecoin may exist for a long time, most Meme tokens will not be sustainable.