According to a report by Bloomberg on October 24, JPMorgan Chase is preparing to allow its institutional clients to use Bitcoin (BTC) and Ethereum (ETH) as collateral.
The bank has long maintained a cautious stance on digital assets; however, the rise in institutional interest in blockchain technology and digital currencies in recent years has led JPMorgan to adopt a more proactive approach. This new system will allow institutions to use digital assets like Bitcoin and Ethereum as collateral for loans, increasing their capital efficiency. According to Bloomberg, this move is considered a "first" in the banking industry in terms of both risk management and asset diversification.
The bank has been known to have blockchain-focused projects underway for years (notably its own payment network, Onyx, and the JPM Coin system). Recent moves are now transitioning the financial institution into a more comprehensive structure that directly encompasses crypto assets. This move, of course, doesn't only affect JPMorgan; large financial institutions generally follow each other's lead. Therefore, the decision could create a general "green light" atmosphere within the sector.
JPMorgan's analysis attracted attention
Meanwhile, JPMorgan is continuously sharing its analyses in the cryptocurrency and blockchain space. The organization's latest analysis emphasized that fintech giant Stripe is positioned at the center of two major waves driving the transformation of global finance: the rise of AI-powered commerce and the evolution of digital currency. Analysts state that the market where these two fields intersect could surpass $350 billion before the end of the decade, and that Stripe is one of the companies that will benefit most from this transformation.
Stripe is a financial ecosystem active in 200 countries, reaching $1.4 trillion in annual transaction volume. The company plays a critical role in the financial transactions of AI startups. Specifically, it is laying the foundation for a new era called "agentic commerce," in which AI systems can make financial decisions autonomously.
In addition, Stripe has also entered the crypto world. The company acquired stablecoin management platform Bridge and wallet startup Privy, and is working on a new Layer-1 blockchain called "Tempo," developed in partnership with Paradigm. This network, which has reached a valuation of $5 billion, is designed for practical financial transactions. According to JPMorgan, this vision positions Stripe at the center of the future digital finance architecture.
However, analysts emphasize that regulations such as MiCA regulations in Europe and stablecoin audits in the US could impact Stripe's growth. However, according to JPMorgan's assessment, Stripe's scale, innovation, and deep integration with artificial intelligence could make it a defining player in the new era of digital finance.
