2026-01-06 16:24:13

Still treating cryptocurrencies as a "side show"? It's time to look at it from a different perspective. By 2026, the Ethereum ecosystem's new crypto banking will become a real game-changer—not to dismantle traditional banks, but to move their core functions (saving, earning interest, transferring) onto the blockchain, while providing you with a more efficient and transparent experience. The annualized returns alone can outshine traditional banks by a mile: 4%-5% compared to 0.3% for savings accounts, you can do the math on the difference.

Why did DeFi fail to take off before? Simply put, it was too "cold." A group of tech geniuses obsessed with coding showcased their skills, turning simple financial logic into complex mathematics that ordinary people couldn't understand. The emergence of new crypto banks has changed this—translating Ethereum's technical advantages into plain language, making financial functions more "grounded."

Let's break down where the new bank's competitiveness truly lies:

**First, efficiency.** Traditional cross-border transfers take 3-5 days, and the fees are shockingly high. On-chain transfers are completed in minutes, with almost negligible costs. Even more impressive is that it hides the complexity of Layer2—no matter how your assets are spread across different Layer2 solutions, the app shows a unified balance. Everyone who has tried it says it feels great.

**Second, returns.** Currently, traditional banks offer a 0.3% annualized rate for savings, with fixed deposits barely reaching 2% but requiring funds to be frozen. The 4%-5% annualized yield from new crypto banks is based on real returns from Ethereum's liquidity staking, and importantly, you can deposit and withdraw at will without lock-up periods. This is supported by the maturity of institutional-grade liquidity in the Ethereum ecosystem in 2025—not just empty promises.

What is the essence of this wave of financial product innovation? It’s that technology has finally learned to shake hands with financial logic, no longer talking past itself.

ETH-1,81%

DEFI6,89%

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DaoTherapy

· 01-06 16:54

0.3% savings account? That's hilarious, the bank's numbers are really impressive. --- The complexity of Layer2 has finally been hidden away, this is the right path. --- The real question is whether everyone can trust that 4-5% is not just hype, it depends on the actual holdings data from institutions. --- DeFi was just self-entertainment before, now it finally understands how to push back against users. --- Wait, is the 4% yield that can be deposited and withdrawn at any time really stable, or is it another round of liquidity traps? --- Cross-border transfers from 3-5 days to just a few minutes, just this alone is worth paying attention to. --- Another story of "changing finance," let's see what happens by 2026. --- Saying that transaction fees are almost negligible is a bit sneaky; do Layer2 fees really not exist? --- Traditional banks should indeed be worried, although they haven't panicked yet.

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GateUser-e87b21ee

· 01-06 16:54

Is the 4%-5% annualized return real? If it's really that good, I would have gone all in already, haha.

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ProveMyZK