For nearly two decades, crypto promised a world without banks. On October 13, 2026, Newsweek published a blunt admission: digital assets failed to strike out on their own. The essay argues that despite 18 years of innovation, crypto has not become a tool for everyday payments—and banks remain the gatekeepers of trust, compliance, and mass-market utility. This shift from “be your own bank” to “bank with crypto” is the defining pivot in crypto banking right now. For founders, finance leads, and DAO treasury managers, the convergence isn’t theoretical. It’s an operational demand that rewrites how you manage money.
Table of Contents
