Opinions of Large Banks on Bitcoin and Cryptocurrencies

Global banks are upgrading cryptocurrency infrastructure
According to a December 2025 report, global banks continue developing cryptocurrency infrastructure despite regulatory hurdles. Traditional financial institutions, including JPMorgan and Citi, are testing blockchain services, while cryptocurrencies are increasingly integrated into their offerings. This trend points to a closer alignment between traditional banking and cryptocurrencies, especially through stablecoins which have become key to modernizing financial operations.

Rise of institutional cryptocurrency infrastructure
Banks like Citi and JPMorgan are expanding their services to custody and trading of cryptocurrencies, particularly for institutional investors. Citi has begun commercializing its Citi Token Services platform, while JPMorgan has successfully tested its deposit tokens. These initiatives indicate that cryptocurrencies are becoming more mainstream, with firms like Fidelity adding Solana to their digital asset platforms.

Regulatory clarity and adoption of stablecoins
The adoption of stablecoins is speeding up thanks to the GENIUS Act, enacted in July 2025. This law sets standards for issuing stablecoins, enabling banks and fintech firms to integrate into the market. Banks such as Société Générale and JPMorgan have already launched their stablecoins, and this trend is expected to continue as the regulatory framework evolves .

Attitudes toward cryptocurrencies across generations
Gen Z shows increasing susceptibility to cryptocurrencies, with 65% planning to increase their investments in crypto. This demographic trend could influence how banks approach cryptocurrencies, as they risk losing relevance if they do not meet the needs of younger investors.