本內容來自2026香港Web3嘉年華萬向區塊鏈實驗室負責人杜宇與幣安聯席CEO何一的現場對話，圍繞AI、Web3與傳統金融融合展開。何一分享了她當前最關注的三件事：AI對金融和區塊鏈行業的重塑、組織與人才效率的再升級，以及加密行業與主流金融體系的加速融合。她認為，AI不隻是提升效率的工具，更在改變公司產品型態、組織方式和用戶服務模式；而Web3的核心價值，也不應局限於「加密貨幣」，而應被視作一種更高效率、低成本、全天候運作的金融基礎設施。

在談及幣安未來發展時，何一提出，幣安不應隻被定義為交易所，而應朝「全球金融基建」演進，服務對象也不隻是現有加密用戶，而是涵蓋更廣大民眾日常支付、理財與資產配置需求。她強調，行業正從早期紅利期邁向成熟期，真正重要的早已不是技術本身，而是技術能夠解決什麼問題、能否為用戶創造真實價值。面對AI對加密資產的虹吸效應，她認為兩者並非取代關係，而是會共同推動下一代金融系統與社會協作模式重構。對於一般用戶與新進場投資人，她給出務實建議：優先配置頭部資產、嚴控風險、邊參與邊研究，切勿情緒化重倉、不要做出「賣房梭哈」式投資決策。

This content comes from an on-site dialogue between Du Yu, head of Wanxiang Blockchain Laboratory, and He Yi, Co-CEO of Binance, at the 2026 Hong Kong Web3 Carnival. The discussion centered on the integration of AI, Web3 and traditional finance. He Yi shared three issues she pays closest attention to at present: AI-driven reshaping of the financial and blockchain industries, further improvement of organizational and talent efficiency, and accelerated integration of the crypto sector with the mainstream financial system.

She pointed out that AI is not merely a tool for efficiency improvement, but also transforms corporate product structures, organizational models and user service approaches. The core value of Web3 should not be confined to cryptocurrency alone, but regarded as a highly efficient, low-cost, round-the-clock operating financial infrastructure.

When speaking about Binance’s future development, He Yi stated that Binance should not be defined solely as an exchange, but evolve into a global financial infrastructure provider. Its services will cover not only existing crypto users, but also broader public demands for daily payment, wealth management and asset allocation.

She emphasized that the industry is transitioning from its early dividend stage to maturity. What truly matters is no longer technology itself, but the practical problems technology can solve and genuine value it can create for users. Faced with AI’s drawing effect on crypto assets, she believed the two are not mutually exclusive substitutes, but will jointly restructure next-generation financial systems and social collaboration models.

For ordinary users and new market entrants, she offered pragmatic advice: prioritize blue-chip assets, control risks, learn and participate simultaneously, and avoid emotional heavy positions or reckless all-in decisions such as mortgaging properties for investment.