An interesting perspective—Mike Silagadze, co-founder of Ether Fi, recently discussed the upcoming development path for Ethereum. He suggests that by 2026, Ethereum's true growth point may no longer be speculative hype, but rather crypto financial products aimed at ordinary users, such as new types of crypto neobanks and similar applications.

Looking back at 2025, Ethereum experienced more institutionalization—ETF approvals and large institutions entering the market drove a wave of growth. But how long can this growth model last? In the long run, the ecosystem will truly be supported by practical applications and user demand.

What does the shift from speculation to practicality mean? It signifies that the crypto world is beginning to see genuine financial product innovation—everyday financial tools that ordinary people can use and understand. This aligns with Web3's ongoing theme of "returning to practicality." So, could the future look like this: instead of discussions about "how many times Ethereum will increase," the focus will be on "what problems can this crypto financial product help me solve" and actual user needs?