The banking industry is about to change dramatically. According to the latest industry trend analysis, 2026 will be the year when stablecoins, crypto assets, and tokenized deposits fully explode from the experimental phase. These financial innovations that once hid in the corner are now wielding big knives, cutting into the traditional banking sector's bread and butter.

Stablecoins are no longer just toys in the crypto world—they are now directly competing with traditional bank deposits, vying for customers' idle funds. Meanwhile, crypto companies and payment platforms are beginning to obtain banking licenses, which means they are no longer outsiders but are officially entering the market to compete in lending. Private credit is also eyeing the core business of traditional banks with keen interest.

Coupled with the rapid heating of AI, the entire financial landscape is being reshaped at an accelerated pace. For traditional banks, this is not a trend to ignore but a reality that must be faced head-on. The boundary between Web3 finance and traditional finance is gradually becoming blurred.