The secure yield treasury size surpasses $6 billion, with crypto funds shifting towards "stable returns," and gold and silver diverting funds.

January 28 News, the cryptocurrency market at the beginning of 2026 is experiencing subtle changes. Price fluctuations are no longer the sole focus, as increasing amounts of capital are flowing into “safe yield” related products. Data shows that the assets locked in on-chain safe yield vaults have surpassed $6 billion, making it one of the fastest-growing segments currently. Bitwise predicts that as the demand for stablecoin yields continues to expand, this scale is expected to double by the end of 2026.

Against the backdrop of the overall performance of crypto assets lagging behind traditional markets, predictable and transparent on-chain yield solutions are attracting conservative investors. These vaults typically operate automatically through smart contracts, deploying user assets into lending or strategy portfolios, with the entire process on-chain, eliminating the need for centralized custody, reducing operational friction and information asymmetry.

Meanwhile, fintech company Revolut is accelerating its global expansion. The company has officially launched full banking services in Mexico, marking its first establishment of a banking entity outside Europe. By directly applying for a license, Revolut has become the first independent digital bank in Mexico to obtain full banking qualifications, with an initial capital exceeding $100 million. This license enables it to offer high-yield savings, foreign exchange services, multi-currency accounts, and international remittance functions. In addition to Mexico, Revolut is also pursuing a license in Peru and plans to enter the Indian payments market. Currently, its global user base has exceeded 70 million.

Looking at broader asset performance, over the past 12 months, commodities such as gold, silver, and copper, as well as US stock indices, have all seen significant gains. In contrast, Bitcoin, Ethereum, and the overall cryptocurrency market cap are still in a retracement phase. Market attention has also shifted, with search and discussion activity increasingly focused on traditional safe-haven assets like gold and silver.

Social and on-chain data indicate that retail investors are more inclined to chase assets with higher short-term volatility, while at this stage, the appeal of cryptocurrencies has somewhat diminished. In this context, stable yield products are gradually becoming new resting points for capital, and structural changes in the crypto market are beginning to emerge.