Not all crypto is equal: Schwab maps where the money actually is in digital assets

Market Intelligence Analysis

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Why This Matters

A recent report by Schwab categorizes cryptocurrency into three layers: networks, infrastructure, and products, and finds that most value is still concentrated at the base level, indicating a potential shift in the market dynamics.

Market Impact

Market impact analysis based on neutral sentiment with 70% confidence.

Sentiment
Neutral
AI Confidence
70%
Time Horizon
Short Term

Article Context

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A new report from Schwab breaks crypto into 3 layers — networks, infrastructure and products – and says most value is still concentrated at the base.

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Original article published by CoinDesk on January 20, 2026.
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