2026-01-05 09:01:01

#数字资产动态追踪 Will Ethereum become the main battleground for crypto banks in 2026?

Recently, I came across some trend analysis that I found quite interesting. Basically, from last year's digital asset vaults to the potential explosion of crypto banks this year, this entire evolutionary logic is worth pondering.

Why can this happen?

Imagine—users open an app, no need to fuss with private keys, no need to calculate Gas fees, no need to research cross-chain bridges, and they can earn a stable 4-5% annualized return. Compared to the zero-interest, eco-friendly banks today, this is indeed very attractive. Profitability is the real demand; technical details can be hidden as much as possible, allowing ordinary people to use DeFi just like Alipay—this might be the correct approach for large-scale promotion.

The logical chain is like this: institutions use digital asset vaults, retail investors use crypto banks, and both wheels turn together. Once a closed-loop of funds is formed, the inflow of capital should be continuous.

What will be the chain reaction?

The amount of staked Ethereum will continue to rise, enhancing network security. The popularity of Layer2 solutions will further explode because most transactions will eventually flow into Layer2. The demand for stablecoins will surge, especially within the Ethereum ecosystem, potentially leading to a wave of explosive growth.

But risks must also be clearly stated.

The first hurdle is regulation. Whether these crypto banks are truly banks or DeFi protocols varies greatly by country, and the compliance costs are still unclear. The second hurdle is whether the returns can be sustained; a 4-5% annualized yield sounds easy, but if the overall market environment deteriorates, this number will also decline. The third is user education; even simplified interactions still require a learning process for beginners.

How to view this opportunity?

Focus on projects related to the Ethereum ecosystem that serve institutions and involve liquidity staking, as these could be the direct beneficiaries. But remember, this is still a new concept, and market hype is definitely involved, so volatility won't be small. It’s advisable to try small positions first and not go all-in right away.

The bigger logic is: Ethereum is transforming from an investment playground into a financial infrastructure. If this shift truly happens, the revaluation potential could be much greater than expected. By 2026, this story is worth continuous attention.

ETH0.35%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

25 Likes

Reward
25
10
Repost
Share

Comment

0/400

SwapWhisperer

· 01-08 06:50

4-5% annualized return sounds pretty attractive, but when it comes to regulation, it might just be a cold shower. Don't be blinded by the returns.

View OriginalReply0

CoffeeNFTs

· 01-08 04:35

Basically, it's about whether Ethereum can truly transform from a casino into a financial infrastructure. It's still early for 2026; for now, start with small positions to get a feel for the waters.

View OriginalReply0

FlyingLeek

· 01-08 03:35

4-5% annualized return? Sounds pretty good, but I'm just worried it might be an illusion. --- So basically, we still have to wait for regulatory approval; otherwise, it's just paper wealth. --- I won't go all in, but a small position should indeed be allocated to Layer2 projects. --- Honestly, it's still driven by returns, which is true. The question is how to ensure sustainability. --- Wait, if stablecoins really take off, USDC and DAI might be in some danger. --- Institutional entry is key. Once they start using it, retail investors will follow suit in no time. --- Feels still too idealistic; reality will definitely be more complicated. --- Ethereum changing from a casino to a bank? Just listen, but it's still early to say it will happen.

View OriginalReply0

ImpermanentLossFan

· 01-07 23:35

4-5% annualized? Sounds easy, but the market turns and it's immediately blown out. --- To put it simply, it still depends on how regulation is handled; otherwise, even the best stories are just illusions. --- People who are all in should be breaking out in a cold sweat now haha. --- Layer2 definitely has potential this time, but don’t be fooled by the hype. --- Demand for stablecoins surging? First, see how that USDC mess turns out. --- More ETH staked = higher security? How can that logic be more far-fetched? --- Crypto banks are essentially just centralized finance cutting the leeks, just a rebrand. --- Trying out small positions is not wrong, I need to highlight this point. --- 2026? Feels a bit early to say, the market changes in the blink of an eye. --- It’s strange if yields can be sustained; the cycle rules are right there.

View OriginalReply0

HashRateHustler

· 01-05 09:31

4-5% annualized sounds good, but truly stabilizing is the real key; once regulation comes, everything is doomed --- Going all-in or not, think carefully, too many variables --- To put it simply, it's still a story; let's see in 2026 if it can come true or not --- Is an increase in staking volume necessarily safe? That logic is a bit far-fetched --- Layer2 is hot, but the number of actual users is still the same; don't overestimate demand --- Stablecoin explosion? First, you need to solve the trust issue, brother --- Trying out small positions is a decent suggestion, but you need to choose the right projects --- Turning the investment airport into financial infrastructure, sounds like a dream... --- 4-5% annualized, what if a bear market comes --- Another story of "what will happen in 2026," waiting to be proven wrong

View OriginalReply0

ChainDetective

· 01-05 09:31

Wake up, how to get past the regulatory hurdle—this is the real challenge.

View OriginalReply0

SellTheBounce

· 01-05 09:25

4-5% annualized, just listen to it. Historical experience tells me that such yield promises have never been fulfilled on time. Don’t be fooled by the narrative; a regulatory punch will make it all worthless. I’m just waiting for a rebound to crash the market. Another feast for bagholders; smart people should have already run. 2026? I think it will bottom out by 2025, anyway the longer I wait, the cheaper it gets. This logical chain is full of holes, just waiting for the market to educate a wave of new retail investors. User education costs are just a joke; newcomers come in just to send money. Ethereum infrastructure? Sounds good, but it’s actually still a casino. Let’s wait until it really drops to the appropriate price.

View OriginalReply0

WealthCoffee

· 01-05 09:16

4-5% annualized sounds pretty attractive, but where does this yield come from? It always feels like someone has to foot the bill. I think the biggest bottleneck is regulation; that's the real choke point. Recently, countries' attitudes have been quite vague. Layer 2 traffic surge is definitely happening, but it feels like this good news has already been digested. Trying small positions is reliable; only the brave go all in haha. Ethereum transforming from an investment platform to financial infrastructure? I've heard that too many times. Let's wait and see. I buy into the logic of stablecoin explosion, but only if regulation allows it. It's basically DeFi dressed up in banking clothes; fundamentally, it's still the same. The key question is whether ordinary people will actually use it. No matter how simple it gets, user habits won't change easily. 4-5% annualized? The bear market hits, and it crashes immediately. Never trust such numbers. An increase in staking volume indicates real confidence—either top-tier institutions or gamblers.

View OriginalReply0

RooftopReserver

· 01-05 09:14

4-5% annualized sounds pretty attractive, but how many points will be left once the bear market arrives? --- Wait, can the regulatory issues really be bypassed? Countries' attitudes are so divided. --- All-in people are probably lining up on the rooftops now. Small positions are truly the only way out. --- Ethereum transforming from a casino to banking infrastructure... I believe in this logic, but the question is, will users be able to wait until 2026? --- The point about stablecoins is correct, but who will win is really hard to say. The competition will be fierce. --- The continuous increase in staking amounts is real; security has improved, but returns are gone. Is this deal worth it? --- The line about sustainability of returns really hit home. Too many projects rely on early high APY to harvest profits, and they can't play long-term. --- Institutional and retail systems... it still feels like institutions are the ones pulling the wool over everyone's eyes. --- I haven't seen the layer2 hype explode; gas fees are still insanely high. --- No matter how good the talk, it has to be implemented. Right now, there's not even a reliable crypto bank. What's the point of bragging?

View OriginalReply0

BearMarketGardener

· 01-05 09:08

4-5% annualized return sounds attractive, but when the bear market hits, it will definitely drop. Don't get caught off guard. --- The concept of crypto banks is essentially DeFi wrapped into Alipay. How regulation will handle this remains an issue. --- So basically, it's a gamble on whether Ethereum can become the financial infrastructure. I buy into this logic. --- It's reasonable to say small positions are for testing the waters. Those going all-in should wake up. --- Increase in staking volume, explosion of Layer2... if this really happens, the revaluation space is indeed large. --- The issue still lies with regulation. Different countries have vastly different attitudes. Who knows how it will be handled in the end? --- Grasping the need for stable returns is quite insightful. Ordinary people just want stable income. --- Hiding technical details is indeed the key to promotion; no one wants to deal with such complexity. --- Will stablecoin products truly explode in the Ethereum ecosystem? We need to keep watching. --- The three consecutive risks are explained quite clearly, but volatility is definitely unavoidable.

View OriginalReply0