#TrumpProCrypto A significant shift in traditional finance is underway, with approximately 60% of the top 25 U.S. banks now offering, building, or publicly planning Bitcoin-related services as of early 2026. This momentum is largely driven by a combination of high-net-worth client demand and the successful integration of spot Bitcoin ETFs into mainstream markets. 

Key Trends in Bank Adoption

Service Expansion: Banks are moving beyond mere interest into active services like custody, trading, and Bitcoin-backed lending.

Institutional Leaders:

JPMorgan Chase and PNC Group are notable for advancing both trading and custodial capabilities.

BNY Mellon and U.S. Bank have solidified their roles as primary custodians for institutional digital assets.

Wells Fargo, Citigroup, and Morgan Stanley are primarily providing Bitcoin exposure to high-net-worth and private wealth clients.

Selective Rollout: Most institutions are focusing on wealth management and institutional accounts rather than broad retail access, using partnerships with specialists like NYDIG to manage risk.

Regulatory Tailwinds: The removal of cryptocurrency from the Financial Stability Oversight Council (FSOC) list of systemic threats in late 2025 has provided additional confidence for banks to integrate these assets. 

The "Holdouts"

While the majority are leaning in, several major players like Bank of America, Capital One, and Huntington Bank remain more cautious or are not yet offering direct Bitcoin products. However, even traditional skeptics like Bank of America have started providing portfolio allocation guidance that includes digital assets for select clients. 

Would you like to see a detailed breakdown of the specific services (custody vs. trading) currently live at each of the top 10 U.S. banks?

AI responses may include mistakes. For financial advice, consult a professional. Learn more