2026-01-08 03:32:59

Recently, a very interesting phenomenon has emerged—traditional financial institutions are starting to lose their composure. BlackRock and Fidelity are rushing to launch Bitcoin ETFs, JPMorgan is researching liquidity staking, and the entire Wall Street is breaking its old logic of "saving money → waiting for interest." This is because decentralized finance is disrupting the traditional track with a completely new profit model.

**Let's do a simple comparison to see how big the gap is**

Storing 100,000 yuan in a bank: annual interest rate of 1.5%, earning 1,500 yuan a year. Early withdrawal? The interest is lost. Need a mortgage? You have to run around and submit documents.

The same 100,000 yuan staked on-chain in BNB: basic yield of 6%, which is 1,500 yuan, but this is just the beginning. After staking, the receipt can be used directly on lending platforms, collateralizing and borrowing 50,000 yuan to continue mining (35% annualized), earning another 17,500 yuan. Total annual income is 23,500 yuan, which is 15 times more than the bank and even more.

The most important thing is—withdrawal at any time. No need to wait weeks to unlock; the receipt can be traded on the secondary market within 24 hours. Just last week, I saw a large holder sell 4,000 tokens (worth over $2.4 million) in one go, and the whole process was just like selling regular BNB.

No wonder, in the past three months, $17 billion has flowed from traditional finance into on-chain staking.

**What truly changes the game are these features**

First is liquidity. Staking on Ethereum requires waiting weeks to unlock? That’s not an issue on decentralized platforms. Once the staking receipt is generated, it can immediately circulate in the market.

Second is the "compounding" effect of yields. The initial staking yield is just the starting point; after obtaining the receipt, you can continue to lend, borrow, or participate in liquidity mining. One fund, multiple sources of income.

Plus, the time cost is eliminated. All the procedures, reviews, and documents of banks are gone on-chain. One wallet address, funds arrive in five minutes—it's that straightforward.

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PoolJumper

· 01-08 04:03

Bank 1.5% I laughed, are there still people trusting traditional finance these days? Let's see the real deal directly on the chain. BNB staking with 35% mining yields is really making bank wealth managers jealous. A 15x return gap, why is Wall Street reacting so slowly? People with money and not smart enough shouldn't spend it like this... The fact that staking certificates can be directly traded is amazing. I respect the banks for having to queue for weeks. $17 billion flowing into the chain says it all. Traditional finance will only become more and more awkward. Five-minute settlement vs. various document reviews, there's no comparison.

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BoredWatcher

· 01-08 03:59

Bank 1.5% is really amazing, might as well just relax and watch BNB rise --- 15x? If I hadn't seen this number with my own eyes, I wouldn't believe it. Wall Street should be crying --- The problem is most people are still saving money in banks, completely unaware of what they're missing out on --- Liquidity is truly unmatched; the Ethereum unlock cycle is really a torture --- 170 billion flowing on-chain... this is just the beginning, there will definitely be more later --- I have some doubts about the stacking yield strategy; it feels like the risk is stacking up too, it's not that simple --- Five-minute transfers vs. various document verifications, bank staff are going to lose their jobs haha --- The key is that pledge certificates can be traded, which really changes the game --- So what are people who are still saving in banks thinking... --- Used to not understand, now after seeing this comparison, I realize how backward traditional finance is

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GasGoblin

· 01-08 03:57

Wow, the difference in returns is just too outrageous. Saving money in the bank is not as good as directly staking.

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MissedAirdropBro

· 01-08 03:46

Whoa, 17 billion really flowed in? I was arguing with someone last year about whether this thing could make money or not. --- A 1.5% bank interest rate made me laugh directly. Who still deposits there? --- The key is that you can withdraw at any time. The previous Ethereum staking setup really made me sick. --- Wait, is this 35% annualized return real? It feels like the risk must be huge. --- I just want to ask one question—where did the figure of 17 billion come from? It seems unbelievable. --- Five-minute到账vs three hours at the bank, this comparison is too extreme. --- Staking certificates that can be traded directly—this is really impressive. Banks wouldn't even dare to think of it. --- $2.4 million being traded in one go without crashing the market shows liquidity is truly different. --- Traditional finance is really panicking now. The folks on Wall Street finally can't sit still, haha. --- But the downside is, all these articles are full of advantages. It feels a bit over the top. --- DeFi yields are high, but so are the risks. You can't just look at the numbers. --- Secondary market trading of certificates 24/7... this is true financial freedom. --- Honestly, seeing BlackRock even launch an ETF, that's when I really believe this thing is happening.

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