zksync just became the infrastructure layer for bank deposit tokens through phylax runtime invariants. banks couldn't touch defi because one composable tx could route through sanctioned protocols. phylax enforces compliance at execution level before state changes. if 2-3 regional banks issue $1b+ in deposit tokens on this stack by end of 2026, ZK becomes the settlement layer for compliant tokenized money. first named bank partner announcement is the signal this isn't vaporware ...