《Decoding Crypto Banks: Wealth Stays On-Chain, Spending Without Off-Chain》 (Author: Chilla, Translated by Block Unicorn) For over a decade, cryptocurrency has promised to eliminate intermediaries, reduce fees, and give users more control. But there's always been one issue: merchants don’t accept crypto, and convincing all merchants to simultaneously accept it is impossible. Young users and crypto-native users now hold significant wealth in Ethereum wallets, staking positions, and DeFi protocols. Keeping funds on-chain and spending directly from the chain is much easier than converting them back into bank deposits. Crypto banks can offer returns that traditional banks simply can’t match. They leverage treasury yields that back stablecoins, adding just a payment process for compliance. Read the full article: http://(wublock123.com)/index.php?m=content&c=index&a=show&catid=47&id=51542