2026-01-04 11:24:15

Banks are facing difficulties in handling L2 complexity. To truly connect the traditional financial world with the crypto world, the key is not patchwork solutions — but fundamentally redesigning the base layer.

Sub-second finality combined with privacy protection is what L1 should look like. Combining these two factors can create a truly usable channel for institutional users. Traditional finance requires stability and speed, while also ensuring privacy. Exploring this direction is worth paying attention to, to see if it can truly bridge the gap between the two worlds.

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NotFinancialAdvice

· 8h ago

Banks have been messing around for so many years and still haven't figured it out. Instead of patching things up, it's better to just tear it down and start over. To truly make L1 appealing, it must combine privacy and speed so that traditional financial institutions can feel comfortable playing. Speaking of which, who still really believes this gap can be bridged... let's wait and see. Sub-second finality sounds good, but will institutions really buy into it? So basically, what’s missing is a truly capable L1 solution that can hold its ground, right? If this can be achieved, I’ll go all in. The design should have been like this from the start—no need for all those fancy tricks. Institutional-grade channels sound great, but what about the reality? Stability, speed, and privacy—achieving all three is indeed quite challenging. Redesigning the foundational layer... it always feels easier said than done.

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FlashLoanLarry

· 01-06 01:00

yeah ngl the subsecond finality + privacy combo is where the real opportunity cost analysis gets spicy... most institutions are still stuck on the "just add more sidechains" thesis, totally missing the capital utilization gains from proper l1 redesign. they'll learn eventually lmao

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SchrodingerWallet

· 01-04 19:00

That's right, but I think banks simply don't want to truly bridge this gap; the conflicts of interest are too great. Getting these two points sorted at the L1 level is definitely the direction, but the question is, who can really do it? Sub-second finality + privacy? Sounds easy, but actually implementing it is another matter. Banks are still exploring, while hackers have already found the vulnerabilities. The traditional financial mindset can't be changed; it's doomed to fall behind this pace. If this wave succeeds, the game rules will be completely rewritten—it's a huge gamble. Fixing and patching this should have been recognized long ago, but who really wants to take the knife? Regarding privacy protection, how will regulators pass it? That's the real bottleneck.

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GhostInTheChain

· 01-04 11:53

Banks are still struggling with L2, but they don't realize that the real bottleneck is at the underlying layer... --- Sub-second finality has been talked about for so long, but only a few can truly achieve it. Privacy protection is even more out of reach. --- Traditional finance folks just want a stable + fast + private all-in-one solution. Isn't that just a dream? --- Redesign the base layer? Easier said than done. That's where the real money-burning happens. --- Bridging the gap between two worlds is not that easy; conflicts of interest are right there. --- Institutional-grade channels sound good, but the question is, who will foot the bill? --- The design approach of L1 needs to change; otherwise, no matter how much L2 is optimized, it’s just treating the symptoms, not the root cause. --- Privacy has always been a weakness, coupled with financial regulation... Well, take your time exploring.

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ShortingEnthusiast

· 01-04 11:53

Is the bank still researching L2? It should have been realized long ago that this is a dead end; the entire architecture needs to be overhauled from scratch. For projects that require millisecond-level final performance, privacy + speed are the true needs of institutions. Talk is cheap. These influencers have been discussing the same rhetoric for years. When will there be a product that can actually be used? Fixing and patching definitely won't work, but redesigning from 0 to 1 is no easy task. Let's see who can break the deadlock first. The institutional finance sector is an enticing cake, but when will privacy and compliance—these two adversaries—reconcile? Compared to the complexity of L2, I am more concerned about who can truly bring traditional finance into the fold first.

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LiquidityOracle

· 01-04 11:52

To be honest, the current L2 solution from the bank is really just patchwork; they need to think carefully from L1 onwards. If the finality of sub-seconds and privacy can truly be combined well, then institutions might actually dare to use it. But it seems like another bunch of technical ideals—will banks actually buy into this in reality? Designing L1 from scratch would be very costly—who will foot the bill for this? How many years have we been talking about connecting these two worlds? How many have actually started? Anyway, I’m just waiting to see the joke. Mainly, it’s about privacy—probably what institutions care about most—otherwise, it would have been on-chain long ago.

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Degen4Breakfast

· 01-04 11:48

子秒级最终性听起来不错，但银行真的愿意等这一天吗？ --- L1重构论又来了，这次能不烂尾吗？ --- 隐私+速度+稳定性三合一？呃……同时要all in是不是有点贪心 --- 修修补补确实没戏，但从零开始也太理想化了吧 --- 说得漂亮，关键是谁买单啊 --- 等等，这套方案机构用户真的需要吗，还是又一个自嗨的技术叙事 --- 打通两个世界？先得问问传统金融愿不愿意低头 --- 子秒级最终性+隐私……听起来像是在讲科幻小说呢 --- 其实就是在说没人能同时满足这三个条件呗

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RugPullSurvivor

· 01-04 11:47

Bro, your idea is too idealistic. Will banks really change the underlying layer? Ultimately, it's just a different name for cutting the leeks.

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GateUser-1a2ed0b9

· 01-04 11:39

Basically, banks are still entangled here in L2; they should have cut through from L1 a long time ago. Sub-second finality is indeed tempting, but can privacy really be achieved? I'm skeptical... Traditional finance insists on stability, while we want both speed and privacy—it's a trade-off. Can this gap be bridged? It feels too early. Can patching things up work? Absolutely not; a complete overhaul of the foundation is necessary.

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