Citing Cryptofrontnews, Wells Fargo has begun issuing credit backed by Bitcoin to institutional and high-net-worth clients, using BTC or spot Bitcoin ETFs as collateral. The move follows regulatory changes and Basel III reforms that improved capital treatment for banks, enabling broader BTC-backed lending. Major U.S. banks, including JPMorgan, Citi, and Schwab, are also expanding similar services, with an estimated $50 billion in new Bitcoin-backed credit lines issued since September 2025. Michael Saylor of MicroStrategy confirmed the trend, noting that banks have shifted from caution to active engagement in the past year.
Wells Fargo Begins Offering Bitcoin-Backed Loans to Institutional and Wealth Clients
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Summary
Wells Fargo has launched Bitcoin-backed loans for institutional and wealth clients, accepting BTC or spot bitcoin ETFs as collateral. The shift follows Basel III reforms and regulatory updates. U.S. banks like JPMorgan, Citi, and Schwab are also expanding similar services. Around $50 billion in new credit lines have been issued since September 2025. Liquidity and crypto markets are seeing increased institutional participation, as confirmed by Michael Saylor of MicroStrategy. Banks have moved from caution to active engagement in the past year.
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