<p><img src="https://images.cointelegraph.com/images/528_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS91cGxvYWRzLzIwMjUtMDYvMDE5N2E2MjMtZjU1NS03YzA2LTg5MmQtZmU3ZjBhYzQwYTY1.jpg" alt="Telegram is not a neobank — it’s the platform where the next ones are born"></p><p>The next wave of Web3 neobanks won’t be standalone apps; they'll be embedded within platforms people already use.</p>