Charles Schwab, managing nearly $12 trillion in client assets, plans to launch Spot Bitcoin and Ethereum trading this quarter, while already offering early access through its "Schwab Crypto" waitlist. This move alongside SoFi Bank stepping into crypto is seen as "FOMO" acting as the real bridge between traditional finance (TradFi) and decentralized finance (DeFi), signaling the second phase of DeFi expansion. The momentum is supported by strong stablecoin growth, with total stablecoin market cap up 3.3% year-to-date and over $1 billion flowing in just this week.