When Banks Start Trading Bitcoin: U.S. Crypto Finance Enters the “National Team” Era

Over the past decade, Bitcoin has maintained a subtle yet tense relationship with traditional banks. Bitcoin emphasizes decentralization, while banks are essentially highly centralized financial institutions; Bitcoin pursues financial autonomy, whereas banks represent regulation, compliance, and oversight. As a result, banks have long held a cautious or even exclusionary attitude towards cryptocurrency.

However, this antagonism was completely broken in 2025. U.S. regulators officially confirmed:

• Banks can provide clients with encryption asset custody.
• Banks can participate in stablecoin settlement.
• Banks can legally facilitate cryptocurrency transactions.
• Banks can run blockchain nodes.

This means that encryption assets have officially transitioned from “gray financial instruments” to “compliant financial asset categories.”

Why has the regulatory approach made a 180-degree turn?

The reasons mainly come from three aspects:

Cryptographic assets can no longer be ignored: Bitcoin’s market cap has repeatedly surpassed one trillion dollars, and the daily trading volume of stablecoins has long been higher than that of Visa and Mastercard. Regulatory bodies have realized: instead of blocking, it is better to integrate into the system.

Increased pressure from financial competition: Many countries around the world are advancing digital currencies and blockchain finance. If the United States continues to watch from the sidelines, it will lose its leadership in the new round of fintech competition.

The demand for transformation within banks is strong: traditional banks are experiencing a significant decline in profit margins, while encryption trading, stablecoin settlement, and digital asset custody are the new high-growth businesses.

What changes will occur in the market after the banks enter?

First, the monopoly position of the exchange will be broken.

Future banks, brokerages, and payment institutions may all become important gateways for encryption trading.

Second, institutional funds will systematically flow into the encryption market.

Previously, many pension funds and insurance capital were unable to participate due to compliance restrictions, but now those barriers are disappearing.

Third, stablecoin payments will accelerate popularization.

After the entry of banks, stablecoins may first achieve large-scale application in cross-border settlements and international trade.

The far-reaching impact on the global financial system

• Encryption assets will be deeply embedded in traditional payment systems.
• Blockchain will become the backend infrastructure of banks.
• The boundary between digital assets and fiat currency will become increasingly blurred.
• “Digital Dollar + Stablecoin + Banking System” may form a new financial landscape.

This is no longer just a change in the encryption industry, but a reconstruction of the entire global financial structure.

How can ordinary users participate?

For ordinary users, the most important points are three:

• Do not blindly chase after rising prices or sell during dips.
• Only use compliant and regulated channels.
• Clearly distinguish between “bank service security” and “asset price security”

Banks can only ensure the security of the transaction process and cannot eliminate market volatility risks.

Conclusion

When banks officially start trading Bitcoin, it means that an era has truly come to an end — encryption assets are no longer the exclusive domain of a few geeks and speculators, but are becoming an important part of the global financial system. A new financial era of “bank + blockchain + encryption assets” has fully begun.