Web3 is the next generation of the internet based on decentralization and the use of blockchain. In the financial sector, this means that users can interact without intermediaries, controlling their data and assets directly. Web3 allows access to financial products without the need for banks, using digital wallets, smart contracts, and tokens. Applications such as DeFi (decentralized finance) have been pioneers in this transformation, allowing for loans, exchanges, and savings without centralized control. As this technology matures, it is expected to redefine the relationship between individuals and money, providing greater autonomy and financial security.