#数字资产动态追踪 The upcoming "Responsible Financial Innovation Act of 2026" in the United States may reshape the digital asset custody landscape. Traditional banks being approved to enter this field will inevitably trigger a fierce market reshuffle.

Currently, a leading compliant platform operates smoothly through a triangular profit model formed by custody services, transaction fees, and staking yields. But once financial giants like JPMorgan Chase and Citibank officially enter the market, the rules of the game will fundamentally change.

Market share division will be almost unavoidable—these traditional financial institutions possess a vast base of institutional clients and enormous pools of capital, and the credit advantage brought by FDIC insurance backing is enough to shake the security authority accumulated over years by native crypto institutions. Meanwhile, the banking industry has always been known for low margins and high volume, making it difficult for digital asset custody fees not to undergo significant downward pressure.

However, from another perspective, this shift may not be entirely bad for the industry. The influx of traditional capital will expand the overall market size, providing more institutional-level funding channels. For participants who truly understand the underlying logic of crypto, after short-term competitive pressure, new opportunities may emerge.

The process of compliance is fundamentally a long-term benefit for the industry. The answer will be clear by 2026.