2026-01-05 12:27:32

Mainstream US financial institutions are taking new actions. Starting this week, a major American bank has officially opened up cryptocurrency allocation options in its wealth management business, allowing multiple investment lines (including private banking and wealth advisory teams) to proactively recommend spot Bitcoin ETF products to clients.

To be more specific: the bank's Chief Investment Office has approved four products for inclusion in investment advice—Bitwise Bitcoin ETF, Fidelity's spot Bitcoin fund, Grayscale Bitcoin Mini Trust, and BlackRock's iShares Bitcoin Trust. All four are among the most liquid and largest spot Bitcoin instruments in the market.

Interestingly, the suggested allocation is 1-4%, meaning up to 4% of a client's total investment portfolio can be allocated to Bitcoin exposure. From another perspective, this is equivalent to a traditional financial giant officially recognizing Bitcoin as an asset allocation tool.

However, it is worth noting that this openness currently only applies to Bitcoin-related products; Ethereum and other digital assets have not yet been included in the recommendation list. This may indicate that institutions are still gradually exploring mainstream crypto assets.

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SatoshiHeir

· 01-07 18:05

It should be pointed out that the 1-4% allocation ratio may seem conservative, but in fact exposes the fact that traditional finance's understanding of Bitcoin's fundamental technology is still stuck at the "risk asset" stage. Let's return to the core thinking of Satoshi Nakamoto's white paper: Bitcoin has long surpassed the positioning of digital gold; it is a vehicle for value consensus. The practices of this bank are merely forced follow-ups and have not yet reached a true cognitive breakthrough. --- Laughing, only BTC without Ethereum? Obviously, they simply don't understand what an smart contract ecosystem is. On-chain data shows that ETH's practical application value far exceeds expectations, and this selective recommendation will eventually backfire. --- Wait, I need to look at the holdings data of these four products before I say anything... But on the other hand, the signals of institutional entry are indeed different. --- Another victory of fiat currency thinking? No, this precisely indicates something — the traditional financial system is preparing for its endgame. Listen to me: they are using 4% allocation to hedge against the upcoming paradigm shift. --- Is that all? I realized back in 2018 that this day would come. Now it's only 1-4%, just wait and see.

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AirdropAnxiety

· 01-05 12:57

1-4% this allocation... traditional finance is still so conservative. But then again, it's already good enough to officially promote BTC in wealth management. Wait, only Bitcoin? What about Ethereum? What does this differential treatment mean? Could it be that they only recognize BTC? Oh my god, finally the day has come. Institutional entry is really changing the game. Is 1-4% enough? Should I go all in or forget it? Let's hear what the big players think. BlackRock is in too, which increases the chances of making money. Just follow blindly and eat. Why just refuse to touch ETH? Is it really not optimistic or still researching? Wait, they are recommending only these top products. What does that mean? Is risk controllable and recognized?

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ForkTongue

· 01-05 12:56

Wall Street is finally dropping the act and officially declaring Bitcoin as an investment asset. This gives institutional investors even more justification to buy the dip. The 1-4% allocation suggestion may sound conservative, but it's a signal. Wait, why is only BTC given the green light while Ethereum is still in the cold? That's interesting. Mainstream finance is opening up, retail investors are still debating whether to jump in, but they're too late. This time it's not a test; it's a real gold and silver entry signal. Do you feel it, everyone? Bitcoin only? Those small altcoin investors in the crypto space are probably going to be disappointed again. This move by US banks feels like crypto is truly entering a new phase, although the proportion is conservative, it’s legitimate.

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HodlOrRegret

· 01-05 12:53

Haha, traditional finance is really opening up now. 1-4% may seem conservative, but this is official endorsement. Wait, why only BTC? Is ETH being biased, or is there another reason? Alright, it's better than no movement at all when institutions are entering. Let's keep observing. With such good liquidity for these four products, I feel a bit bored... Honestly, a 4% limit is not enough for someone like me who is a believer, but for ordinary wealthy clients, being able to accept it is already good. Machine readable: 1. "Traditional finance is really opening up now. 1-4% may seem conservative but this is endorsement." 2. "Why only BTC? Is ETH being biased or is there another reason?" 3. "Institutions entering is better than no movement at all, keep observing." 4. "A 4% limit is not enough for me, but for ordinary clients, it's already good." 5. "I'm not that excited about these four products being so large in scale."

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LayerZeroHero

· 01-05 12:37

Traditional finance has finally opened up, but it only gives Bitcoin this much space. Other cryptocurrencies still have to wait; it's a small step forward in understanding.

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MetaverseLandlord

· 01-05 12:36

Haha, big banks finally stop pretending. 1-4% can still be spoken so pompously. --- What about Ethereum? Why is it still a second-class citizen? --- Wait, is this an indirect admission that Bitcoin can be allocated? Traditional finance is breaking through. --- 4% sounds conservative, but this is a signal. I guess it will gradually loosen up later. --- As expected, only Bitcoin is getting on board; other cryptocurrencies still have to wait... The clear message from institutions choosing sides. --- Bank of America finally entered the market. I just want to know how this will affect the trend. --- These four products are all traded by large investors; liquidity truly can't be compared to small coins. --- Basically, it's still testing the waters. The 1-4% ratio means cautiously crossing the river by feeling the stones.

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DisillusiionOracle

· 01-05 12:32

Oops, traditional finance is starting to get involved again. Although they only allocated 4% to Bitcoin, isn't this a de facto admission? Only giving BTC and not ETH? These big banks are too cautious, just testing the waters here. Another signal of institutions jumping on board—mainstream adoption is truly unstoppable. A 1-4% allocation... to be honest, it's a bit conservative, but this is already a huge shift for traditional finance. Wake up, everyone. Wall Street is finally dropping the act and openly pushing BTC. Wait, only approving spot ETFs and not touching futures? These old guys really know how to play. Why just not touch Ethereum? It’s truly treated as the chosen one, just like Bitcoin. But I think this is just the beginning. Other big players will follow suit, and crypto is really becoming mainstream. 4% may not sound like much, but this is an official endorsement from traditional giants—it's significant. Institutions are giving retail investors an invisible leverage, implicitly suggesting you should also hold some BTC.

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