Traditional banks have relied on the same playbook for over a decade: lure customers with signup bonuses and zero-interest promotions. But that formula is losing its edge. The landscape has shifted fundamentally. Crypto markets operate on entirely different mechanics—real yield, composable protocols, and transparent on-chain activity reshape how value flows. When users can access competitive returns and financial primitives without traditional gatekeepers, the conventional incentive structure crumbles. Banks are scrambling because the old tricks no longer move the needle. Welcome to an era where decentralized finance doesn't just compete—it rewrites the rules.