Web3 neobanks are transforming the financial landscape by integrating decentralized finance (DeFi) solutions into their platforms. THORWallet is at the forefront of this shift, offering a self-custody wallet that supports stablecoins and DeFi functionalities. This innovation allows users to manage their digital assets independently while providing access to a Swiss-regulated multicurrency account for real-world spending. This development marks a significant departure from traditional financial systems, enabling more flexible and secure financial transactions.