According to @LexSokolin, Web3 banking will be API-first with programmable accounts, liquid on-chain assets, decentralized lending, social investing, and instant global payments, defining core pillars for fintech-crypto convergence, source: Lex Sokolin on X, Sep 21, 2025. For trading, this highlights narrative exposure across DeFi lending markets, asset-liquidity plays, SocialFi investing, and cross-border payment rails within Web3 for potential sector rotation and catalyst tracking, source: Lex Sokolin on X, Sep 21, 2025.