Global banks have intensified their push into crypto, with JPMorgan Chase reportedly advancing efforts to enable institutional clients to pledge bitcoin and ether as collateral for loans by year-end. Bloomberg reported on Oct. 24, citing individuals with knowledge of the matter, that the offering would function globally and involve third-party custodians to secure digital token collateral.

Expansion follows JPMorgan’s prior acceptance of crypto-related exchange-traded funds (ETFs) as eligible collateral, signaling a broader strategy to accommodate digital asset-backed lending mechanisms.

JPMorgan declined to comment, but the move points to a notable strategic adjustment inside the financial institution, where internal policies have gradually diverged from the public skepticism of its CEO. Jamie Dimon, who has labeled bitcoin a “fraud” and said he would “close it down” if he were the government, has also softened his rhetoric. In May, he remarked: “I don’t think we should smoke, but I defend your right to smoke. I defend your right to buy bitcoin, go at it.” The change underscores how digital assets are moving from the periphery of finance to its core, now treated alongside stocks, bonds, and gold for secured lending.

Momentum aligns with a broader easing in regulatory stances and rising institutional participation. The Trump administration’s digital asset-friendly position has prompted firms such as Morgan Stanley, Fidelity, and Bank of New York Mellon to scale up crypto-related services. At the same time, jurisdictions including Singapore, the European Union, and the United Arab Emirates (UAE) have introduced comprehensive rules for digital assets, accelerating global adoption. Even as volatility persists, bitcoin’s recent all-time high has reinforced arguments in favor of its inclusion in institutional portfolios.

• What does JPMorgan’s move mean for bitcoin and ether?
  It signals a major leap forward in mainstream adoption, treating crypto as legitimate collateral like stocks and bonds.
• Will institutional demand for bitcoin increase as a result?
  Yes, allowing crypto as loan collateral can unlock massive institutional participation and boost long-term demand.
• How are global regulators reacting to this shift?
  Many are implementing crypto-friendly frameworks, enabling traditional finance to integrate digital assets more smoothly.
• Why is this important for investors right now?
  Institutional support and regulatory clarity are driving bitcoin’s momentum, setting the stage for future growth and price appreciation.

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