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According to Odaily, spot gold surged by $100 within the day, currently quoted at $4433.29 per ounce, an increase of 2.31%. (Golden Ten Data)

BlockBeats News, January 5th — As Ethereum completes a key phase in 2025 with institutional funds entering through the "Digital Asset Treasury (DAT)", the market focus is shifting to a new adoption driver in 2026—crypto-native neobanks. ether.fi CEO Mike Silagadze stated that the next phase of Ethereum's expansion will be driven by available financial products rather than speculative trading cycles. Analysis suggests that these new banks will combine self-custody, high-yield stablecoin products, and traditional mobile banking experiences, providing an entry point for a broad user base who are wary of DeFi complexity but seek returns higher than traditional savings. By shielding users from gas fees, private keys, and cross-L2 operational details, these neobanks are becoming a key bridge for Ethereum's mainstream adoption. At the same time, institutional staking and liquid staking form the underlying support. The DAT, which will rise in 2025, allows enterprises to earn staking yields while holding Ethereum, becoming a more flexible allocation tool beyond spot ETFs. The market expects that in Q1 2026, institutional treasuries and retail-facing neobanks will create a synergistic effect, offering users 4%–5% on-chain yields and driving Ethereum from a "speculative application" towards becoming daily financial infrastructure.

BlockBeats News, January 5th, as Ethereum enters a key phase in institutional adoption through the Digital Asset Treasury (DAT) in 2025, the market focus is shifting to a new 2026 adoption driver—a crypto-native neobank. ether.fi CEO Mike Silagadze said Ethereum's next phase of expansion will be driven by usable financial products rather than a speculative trading cycle. Analysis suggests that these neobanks will combine self-custody, high-yield stablecoin products, and a traditional mobile banking experience to provide an entry point for a wide range of users concerned about DeFi complexity but seeking higher returns than traditional savings. By abstracting Gas fees, private keys, and cross-L2 operation details, neobanks are becoming a key bridge for Ethereum's mainstream adoption. Simultaneously, institutional staking and liquidity mining form the underlying support. The emergence of DAT in 2025 allows enterprises to earn staking rewards while holding Ethereum, serving as a more flexible allocation tool beyond spot ETFs. The market expects that in the first quarter of 2026, institutional treasuries and retail-facing neobanks will synergize, offering users 4%–5% on-chain returns, propelling Ethereum from a "speculative application" to everyday financial infrastructure.