Something's shifting in the American fintech landscape on Arbitrum. Institutional money keeps flowing in, and the DeFi layers are getting thicker by the week. What's the real story here? On-chain equity products are finally delivering what traditional finance couldn't crack—true composability and settlement that happens in seconds, not days. The retention numbers don't lie either. Once institutions taste the efficiency of digital rails, going back feels like using a fax machine. This isn't just another Layer2 narrative. It's TradFi realizing that blockchain infrastructure solves problems they've tolerated for decades. The question isn't whether this trend continues—it's how fast legacy systems adapt before they become irrelevant.