Standard Chartered just cut their 2025 bitcoin price forecast. Meanwhile, PNC's making moves—they're now offering direct BTC trading for their high-net-worth clients. Interesting divergence here: one major bank's dialing back expectations while another's doubling down on crypto services. What's driving these opposite plays? Could be risk management models, could be client demand signals. Either way, the institutional landscape's shifting fast. More banks entering the space even as some analysts trim their bullish calls. The gap between conservative forecasts and expanding services tells you something about where we're actually headed.