The question is: Why do so many people want to enter crypto finance but end up failing? Last week, I helped an elder operate DeFi staking. Just understanding private key management took half a day, and a cross-L2 transfer was deducted a Gas fee. After several rounds of messing around, this brother gave up directly—"I’d rather not make money with this anymore." Actually, this is just the tip of the iceberg. According to statistics, the global adoption rate of crypto assets is less than 5%. It’s not that people don’t want to participate; the key issue is that the barriers are too high.

But what I want to say is: this situation will really change in 2026! The rise of crypto-native banks, combined with on-chain yields of 4%-5%, could break this deadlock.

The core point is this: by 2025, the Ethereum ecosystem will have opened the door to institutions through institutional-grade products. Whether it can truly enter the daily lives of ordinary people by 2026 depends entirely on the performance of these new banking players. A leader of a top on-chain bank mentioned a view: future expansion should be driven by financial products. I agree, but I’d add: they must be products that "beginners can understand and dare to use."

So, what is the killer move of new crypto banks? I’ve summarized three points:

The first move is called "Dimensionality Reduction Behind the Scenes." Private keys, Gas fees, cross-chain bridges—these technical concepts? All handled in the background. Opening the app feels as smooth as using regular payment tools. Depositing funds, earning yields, transferring and withdrawing—three steps to get the job done. This is a complete shift from an engineer’s perspective to a user’s perspective.

The second move is "Self-management + High yields." Traditional mobile banks rarely offer annualized returns of 1%, while on-chain native banks directly provide 4%-5% or even higher returns. This is a real necessity for capital.