0.63% to 10%. This is not an interest rate differential, this is the reason why a generation has switched banks. $124 trillion is going to change its owner. Cerulli predicts that by 2048, there will be $124 trillion in intergenerational wealth transfer in the United States, of which $46 trillion will flow to the millennial generation. This is the largest asset redistribution in human history. The generation who took over the job is completely different from your parents. They are already on the chain. Approximately 67 million adults in the United States hold digital assets, accounting for a quarter of the adult population. Even more ruthless is that among the new entrants in 2025-2026, 28% are over 55 years old, compared to only 14% of the previous generation. It's not young people playing cryptocurrency, everyone is playing. The real question is not 'whether or not', but 'how much is the difference'. The average savings rate in the United States is 0.63%. Tokenized treasury bond is 4%~5.25%. Selected stablecoin vaults have a median of 4.8%. Sentora's own RWA vault is 10.21%. Inheriting $250000, earning $1575 in the bank for one year, and $12000 in the vault. This is not a competition over financial products, it's the difference between four digit and five digit numbers. And the ownership of the account can only be selected once in a lifetime. The transfer of wealth lasts for 20 years, but the decision of "where to put the money" is usually completed within the first year of the heir taking over. The products that will only be launched in 2028 are sold to a group of people who have already been locked in by other platforms since 2026. The cost of reclaiming a default account is much higher than retaining it in the first place - because it takes away payment habits, savings relationships, and data. 75% of digital asset holders say they hope to manage these assets in their own banks. This is a huge window of opportunity. But it is also the last window of opportunity. The author of this article, Sentora, is a company that sells on chain revenue products - it manages the treasury strategy for Kraken DeFi Earn. It carries the risk in one sentence: 'The returns are variable, historical, and not covered by FDIC insurance.'. " Then he kept silent about the risks of smart contracts, counterparty defaults, stablecoin unanchoring, and the sustainability of 10% annualization.