2026-01-06 04:25:12

According to the latest disclosed internal strategic document from a U.S. bank, the institution has officially authorized its wealth management division to offer clients Bitcoin allocation plans with a maximum position of 4%. This move marks a shift for traditional financial institutions from merely observing to actively allocating in crypto assets.

A chain reaction follows. Leading asset management firms such as Morgan Stanley, BlackRock, and Fidelity are launching cryptocurrency allocation plans ranging from 1% to 5%, becoming standardized options in their wealth management services. Bitcoin spot ETFs have evolved into the primary channel for institutional compliance entry, changing the traditional structure of crypto asset buying.

From a capital allocation perspective, this shift reflects deeper market logic. First, the era of retail-driven markets is ending, with institutional balance sheets officially becoming the engine of a bull market. Second, the expanding use cases of stablecoins are eroding traditional cross-border payment and settlement markets. Third, on-chain real-world assets (RWA) have become an inevitable trend, redefining the global asset allocation landscape. The integration of AI agents with the crypto economy is also entering the countdown for practical application.

What does this mean? In the short term, every deep market correction could become an opportunity for institutions to build positions, with increased volatility but a continually rising price floor. In the long term, cryptocurrencies have officially upgraded to part of the global financial infrastructure, with their valuation logic and application prospects undergoing permanent change.

The strategic adjustment directions are also clear: first, abandon purely speculative thinking and hold Bitcoin and Ethereum from an asset allocation perspective; second, focus on institutional financial products such as ETF offerings and asset custody services; third, position for potential explosive growth in AI and crypto, RWA, and Layer2 ecosystems. When traditional financial systems actively open doors for new assets, this is no longer a speculative craze but a profound restructuring of wealth architecture.

BTC-0,4%

ETH0,33%

RWA0,49%

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TestnetScholar

· 01-08 17:14

Wow, are all four major banks starting to allocate? Things are really different now. With institutional entry in this wave, retail investors need to learn to hold and stay passive, and stop trading frequently. The integration of RWA and AI is the future; it's not too late to position now.

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0xSleepDeprived

· 01-08 14:01

Bank of America 4% Bitcoin allocation? Is it real? This time, institutions are really here. The era of retail investors is truly over...

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NFTFreezer

· 01-08 13:25

Bro, this time is really different, institutions are all here to buy the dip Huh? The problem is retail investors are still buying at high levels... Don't talk about permanent changes, just see who cuts whose leeks Is this really a bottom-up shift or just another scythe? 4% position size doesn't sound like much, why does it sound so exaggerated? Made a move, laid in wait in the Layer2 track Still, as I said, coins without institutional backing are all trash

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BearMarketSurvivor

· 01-06 04:54

Here they come again. The big players' entry this time is truly "finally." A 4% return sounds quite conservative, but this is the signal—Wall Street is finally dropping the act.

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quiet_lurker

· 01-06 04:42

Wait, 4% Bitcoin allocation at US banks? Traditional finance is really getting serious now.

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WealthCoffee

· 01-06 04:36

Big institutions are finally entering the market, the era of retail investors is really coming to an end. Wait, 4% is still too conservative, this is just the appetizer. Hmm... sounds good, but we need to watch out for when they say "cryptocurrency is risky" again. RWA is the real game-changer, more exciting than any ETF right now.

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FortuneTeller42

· 01-06 04:33

Damn, this time it's really different. The big institutions are really getting serious.

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DisillusiionOracle

· 01-06 04:28

US banks allocate 4% to Bitcoin? Uh... Institutional entry is a good thing, but don't celebrate too early. These guys have already cut our leeks before. Wait, is the era of retail investors really over? Why do I still see a bunch of people chasing highs? RWA, AI, Layer2—every time they say these are the next hot spots. And what’s the result? Another round of harvesting. From an asset allocation perspective, 99% of people are still betting on ups and downs. Who has truly held long-term? This time, institutions are really here to rescue the market, or is it just another smoke screen? Raising the bottom sounds good, but increased volatility is the real issue. Can small retail investors withstand it? Laying out three tracks? Maybe the tracks will be abandoned, and the money will be gone too. Institutions have opened the gates; the ticket prices are probably going to rise.

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