Ethereum Ecosystem 2026 New Breakthrough: How Crypto-native New Banks Are Redefining On-Chain Finance?

Question

【Blockchain Rhythm】The narrative around Ethereum is quietly shifting. Over the past year, institutional funds have entered the market on a large scale through digital asset vaults (DAT), which is seen as a watershed moment — the next growth driver will no longer come from pure speculative trading, but from real financial products. Mike Silagadze, CEO of ether.fi, straightforwardly states that Ethereum’s next phase of expansion will be driven by available financial products.

What are the key players in this? A category of applications known as “crypto-native new banks” is emerging. Their logic is simple — combining self-custody, high-yield stablecoin products, and the user-friendly experience of traditional mobile banking. In other words, users can enjoy DeFi’s high on-chain yields of 4%-5% (, without the hassle of Gas fees, private key management, or cross-L2 operations. This is a true exit for ordinary users who are kept out by DeFi’s barriers but are dissatisfied with the low interest rates of traditional banks.

What is the underlying logic supporting all this? Institutional staking and liquidity staking. Products like DAT allow enterprises to earn staking rewards while holding Ethereum, offering more flexibility than spot ETFs. Industry forecasts suggest that by Q1 2026, institutional vaults and new banks targeting retail users will generate synergistic effects, jointly providing stable on-chain yields for users. At this moment, Ethereum is expected to transform from a “speculative application” into everyday financial infrastructure.

GateUser-4745f9ce · Accepted Answer

Institutions are starting to talk about real financial products now. Is this the moment to truly shift from virtual to real?

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The new banking concept sounds promising, but can it really make newbie users earn a hassle-free 4% return? The threshold issue is one thing, but trust is the key.

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Wait, self-custody + high-yield stablecoins—aren't they trying to bridge the gap between CeFi risks and DeFi complexity? The idea is good, but it feels prone to failure.

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Why haven't mainstream media been hyping the large-scale entry of DAT? If it's such a big deal, could it be exaggerated?

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On-chain yields of 4%-5% sound decent, but I'm worried it might just be another new guise for a fresh round of rug pulls.

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From speculation to financial products, honestly, it's still about waiting for the bull market to come and take over.

ForumMiningMaster · Answer

Finally, someone has spoken out clearly: the complex operations of DeFi really have blocked a large number of people.

Institutional entry + productization, this is the true path to maturity.

However, a 4-5% return... can it be stable?

Or should we wait and see if a reliable new bank appears first?

SelfStaking · Answer

Is institutional entry really reliable? I think we still need to wait and see how far this "native new bank" thing can go...

But honestly, a 4%-5% return is quite tempting, just not sure how the risks are hidden.

Wait, is it really that simple to solve the Gas and private key issues? That seems a bit too ideal...

Could this narrative shift be the start of the next harvesting cycle? Hehe.

By the way, can the large-scale entry of DAT truly change the ecosystem? It still feels like we should wait for the actual applications to see.

TaxEvader · Answer

Can institutional entry really change the narrative? I think it's a joke. Retail investors have been cut multiple times, and they're still expecting genuine financial products?

WalletWhisperer · Answer

Institutions entering the market have started promoting financial products, basically still aiming for stable cash flow, don't be too optimistic.

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A 4%-5% return sounds good, but the premise is that you trust these project teams not to rug pull. I still have some reservations.

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Simplifying DeFi into foolproof operations is a good idea, but I wonder if it will become the next hotbed for rug pulls.

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Wait, so the influx of institutional funds might actually mean that retail investors' good days are coming to an end...

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Native crypto banks? Sounds like reinventing the wheel. Traditional finance operates on this logic; what breakthroughs can there be?

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Really? Can gas fees and private key management truly be solved with one click? That sounds a bit too dreamy.

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2026? You're so sure about that? What happened to last year's predictions at this time?

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It's a nice talk, but let's see who can really deliver. For now, it all seems like just conceptual hype.

HodlOrRegret · Answer

This is the right way. Finally, someone is making DeFi feel like a user-friendly product.

The real financial products are here, and the retail investors can rest easy.

The mess with Gas fees has finally been sorted out, now that's innovation.

Wait, is a 4-5% return reliable? Could it be another trap?

I see, no wonder institutions are rushing in. It looks like a big change is coming.

The new bank's combination punch is well executed, just worried it might be taken over by some L2 again.

I just want to know if any big project suddenly crashes, and then this logic gets overturned.

Wow, DeFi has finally become foolproof, even my mom can use it now.

Lowering the barriers to entry is true growth. It was about time.

ChainChef · Answer

honestly this is just eth finally getting the recipe right... mixing that defi yield sauce with actually usable ux is *chef's kiss*

Ethereum Ecosystem 2026 New Breakthrough: How Crypto-native New Banks Are Redefining On-Chain Finance?

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