The game just changed for American banking. Over the past year, heavyweights like Citi, JPMorgan, Wells Fargo, Bank of America, and Vanguard went from skeptics to believers. Here's the kicker: 8 out of the top 10 US banks now roll out crypto-backed lending services. That's not a pilot program anymore—that's a full-blown industry pivot. Traditional finance and digital assets? No longer separate worlds.