Over the past two years, more and more money has been directed into the cryptocurrency area, and this investment is beginning to really threaten the banking industry.Now, things are moving so quickly in the world of cryptocurrencies that decentralized finance is putting extreme pressure on the banking sector and on regulators.Digital banking is the future, but the banks and regulators have moved so slowly that it appears a point is about to be realized where things need to change quickly.Are the banks and the regulators prepared for this transition?