Morgan Stanley’s policy change opens crypto to millions of clients, as Citi and European banks build the infrastructure to make blockchain finance mainstream.
Key Takeaways
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Why does Morgan Stanley’s decision matter?
It removes the final barrier between traditional wealth clients and crypto, signaling confidence in the asset class.
How is Europe responding?
European banks are developing their own MiCA-compliant euro stablecoin to strengthen the region’s digital payment autonomy.
Morgan Stanley will make Bitcoin and crypto accessible to every wealth client on its platform starting 15 October. This represents a significant policy shift, underscoring how traditional finance is once again embracing digital assets.
Morgan Stanley makes its boldest crypto move yet
The bank’s financial advisors will be able to pitch Bitcoin and crypto funds to all clients, including those with retirement accounts, according to a CNBC report.
The decision ends years of restrictions that limited access to investors with over $1.5 million in assets and an aggressive risk profile. Morgan Stanley will now use automated monitoring tools and a 4% model allocation cap to manage client exposure in the volatile asset class.
The move comes just weeks after the Trump administration relaxed regulatory oversight of digital assets and as Morgan Stanley prepares to add Bitcoin, Ethereum, and Solana trading to its E-Trade platform — a sign that crypto is once again part of mainstream financial strategy.
Wall Street builds the rails for stablecoin payments
Meanwhile, Citi Ventures has taken a stake in BVNK, a London-based stablecoin infrastructure firm processing over $20 billion annually for enterprises and payment providers.
The investment follows backing from Visa, Tiger Global, and Haun Ventures, showing that traditional finance is now funding the rails behind crypto exposure.
Citi executives said BVNK’s platform offers enterprise-grade infrastructure for cross-border settlements and digital asset payments. This positions stablecoins as the next frontier in financial technology.
Europe launches a regulated stablecoin alternative
In September, across the Atlantic, CaixaBank and eight major European banks, including ING, UniCredit, and Danske Bank, formed a consortium to launch a euro-denominated stablecoin.
The project, compliant with the EU’s Markets in Crypto-Assets Regulation (MiCA), aims to provide near-instant euro payments. Also, it aims to be a European counterweight to U.S. stablecoins, such as USDC and USDT.
Expected to launch in 2026, the initiative could give Europe its first large-scale blockchain-based payments network. Also, it is backed by major banks and supervised by the Dutch Central Bank.
Why it matters
From Wall Street to the EU, banks are no longer competing with crypto; they’re integrating it.
The Morgan Stanley crypto expansion, coupled with similar initiatives from Citi and CaixaBank, shows how digital assets are becoming core to global finance.
Together, they mark a turning point in global finance: crypto is being absorbed, not resisted.
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