#2026年比特币行情展望 2026, Will the "banking" narrative of Ethereum explode?

Recently, I came across a piece of information that seems to hit the core growth point for Ethereum next year—the rise of crypto-native banking. This might not just be another concept, but a story that can truly attract incremental users.

From vaults to banks, is this evolution or inevitability?

Last year, institutions found a way to enter through digital asset vaults. In 2026, this logic is likely to reach a critical point where it explodes into the consumer side. Imagine opening an app and being able to earn a stable 4 to 5% annual return, without worrying about private keys, estimating Gas fees, or researching cross-chain solutions—how appealing is that?

Frankly, users don’t need technology; they need returns. In an environment where major global banks’ interest rates are near zero, a stable cash flow of 4 to 5% is the strongest attraction. And the key is, this yield isn’t virtual; it’s real DeFi yield on-chain.

User Experience Is the Ceiling

To make crypto financial products as simple for ordinary people as using Alipay, technical details must be completely invisible. Obscure concepts should be masked, so users only see numbers, returns, and liquidity. This is the correct approach for large-scale adoption and the successful formula of traditional internet products.

Dual Drive from Institutions and Retail

The brilliance of this logic lies in forming a closed loop: digital asset vault services for enterprises, crypto banking products for individuals, with two demand levels flowing into the same ecosystem from different directions. Once this loop operates, capital inflows will be continuous, not just a passing wave.

Possible Chain Reactions

If this narrative truly materializes, how will the market react? Several obvious directions:

First, the scale of Ethereum staking will continue to grow. The banking model essentially uses staking to generate yields, which will attract more ETH into staking, enhancing network security.

Second, Layer2 will become the real battleground. Since a large volume of retail transactions will be completed on Layer2, its activity and ecosystem prosperity will significantly increase.

Third, stablecoins, especially those within the Ethereum ecosystem, may experience an explosion. The banking model relies on stablecoins as infrastructure.

Real-world Constraints

Of course, there are hurdles. First is regulation—different countries have different understandings of "crypto banking." Whether it’s regulated as a bank or as a DeFi protocol, both possibilities exist. Second, whether the 4 to 5% yield can be stably maintained depends on whether the overall crypto market’s yield environment can be sustained.

How to Participate

If you are optimistic about this direction, you can focus on institutional service protocols and liquidity staking projects within the Ethereum ecosystem. But since this is still a new narrative, market reactions will be volatile. It’s recommended to start with small positions and avoid going all-in.

Ethereum’s transformation from an investment venue to a financial infrastructure, if it truly happens, could reshape its valuation far beyond current expectations. 2026 is definitely worth paying close attention to.