德勤：2025年区块链与人工智能：共塑未来支付范式研究报告（英文版）

Unlike the current Web2 paradigm, where intermediaries dominate, Web3 envisions a more equitable digital landscape where consumers own their own digital wallets, enabling them to interact directly with financial institutions and other service providers without relying on intermediaries. By eliminating intermediaries, transaction costs can be reduced, and the speed of financial interactions can be significantly increased, providing a more efficient, more transparent, and more secure transactio