2026-01-07 06:25:02

Wealth management is experiencing a subtle yet significant turning point. This change stems from a strategic adjustment by a top U.S. financial institution—starting January 5th, over 15,000 financial advisors across its private banking, Merrill, and other systems have gained new authority: they can proactively recommend Bitcoin spot ETF products to clients.

This may not sound groundbreaking, but the context is crucial. Previously, these advisors primarily played a "gatekeeper" role regarding crypto assets—responding only when asked and never initiating the conversation. Now, with the policy shift, Bitcoin ETFs have transitioned from "a special requirement exclusive to certain clients" to a "regular option within investment portfolios."

The official recommended allocation is 1% to 4% of the investment portfolio, tailored for investors who can tolerate high volatility and are optimistic about innovative directions. The investment management team explained straightforwardly: a moderate allocation of digital assets may help optimize the overall risk-return profile.

On the implementation side, this institution specifically chose Bitcoin spot ETFs as the only compliant channel, rather than directly holding Bitcoin. Their chief investment office has approved four ETF products with leading scale and liquidity. This approach avoids the complexities and risks of self-custody while providing clients with a relatively standardized investment method.

The significance of this shift may be greater than the numbers themselves—it indicates that traditional financial institutions' attitude toward crypto assets is evolving from "cautiously observing" to "conditionally accepting."

BTC-1,61%

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AllTalkLongTrader

· 01-10 00:18

Damn, 15,000 financial advisors are opening the floodgates? Wall Street is really cooling down now. --- Wait, 1% to 4%? That's too conservative. Isn't this just a disguised approval under the guise of allocation? --- The goalkeeper has become a salesperson. I just want to know if institutional clients will be fooled into buying at the high point. --- Finally, this day has arrived. Although using ETFs is a bit roundabout, at least it's a compliant start. --- From asking and answering to proactive recommendations, there must be data speaking behind such a big change. --- Is the BTC spot ETF really going to become a financial product? Feels like something's missing. --- Having conditions to accept still implies conditions, don't overhype it. --- This move is just the institutions that felt it was time to get off the bus already did so. Now retail investors can take over, right? --- Merrill really made a move, but the 1-4% ratio is indeed a bit cautious.

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StillBuyingTheDip

· 01-09 10:14

Wow, 15,000 advisors can actively sell BTC spot overnight. This is true mainstream adoption. Wait, 1%~4% allocation? That's a bit conservative, friends. Traditional finance is finally here, just using the ETF as a disguise—smart move. Feels like this is the real inflection point. We've been waiting for this moment. Goalkeepers turning into salespeople—this transformation is incredible, haha. So now buying ETFs means being recognized by Main Street? The symbolic significance is huge.

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ETHReserveBank

· 01-07 06:54

Wow, 15,000 financial advisors can be promoted now? This time it's really happening, no more hiding and sneaking around.

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BearMarketSurvivor

· 01-07 06:49

Damn, 15,000 advisors can now promote? This really means it's time to get in... The previously strict threshold is now just being opened up like this, a bit exposed haha. The percentage from 1% to 4% is incredible; it looks cautious but is actually a form of approval—experts indeed. ETFs instead of holding coins directly, very safe. I like this cautious approach. Traditional finance making this turn, it feels like the big show has just begun—interesting. Wait, could this be the advisors starting to work hard? Watching clients' wallets tremble... Finally, this day has arrived; it should have been like this a long time ago. Institutions are really moving, retail investors should wake up, right?

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AltcoinHunter

· 01-07 06:44

Wow, 15,000 financial advisors are starting to push BTC spot ETFs? This is the real consensus, traditional finance has finally lowered its head and become more compliant. But 1-4% allocation... it's a bit conservative. I was never this cautious when I went all-in haha. This time is really different. With institutional support, it's just different. The bottom is probably in, right everyone? Wait, they chose ETFs instead of direct holdings? A bit timid, but indeed more stable... I guess I’m a gambler with my self-custody. Recognition from traditional finance ≈ formation of consensus ≈ the next hundredfold opportunity is coming? Pure speculation, but it feels like this time is really different. The Americans finally remember that BTC is not just a money laundering tool. Better late than never, right?

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OnchainDetective

· 01-07 06:42

Wait a minute, 15,000 advisors simultaneously authorized to push ETFs... According to on-chain data, we need to thoroughly analyze the fund flow behind this. Institutions suddenly changed their stance, from passive to actively promoting. This rapid shift clearly indicates that big players are布局ing. A 1% to 4% allocation ratio... Hmm, this number is very carefully designed. I need to track the fund movements of these ETF products. The so-called "compliance channels" are actually just different disguises; the funds still flow to those top-tier institutions. This turning point is too coincidental. I’ve long suspected that Wall Street would play this way. Suspicious wallet behaviors are increasing, and traditional finance can no longer hold back.

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ImpermanentTherapist

· 01-07 06:32

Wow, 15,000 financial advisors can push Bitcoin overnight? How much reassurance does that give? Mainstream finance is really about to enter the scene.

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GasOptimizer

· 01-07 06:31

Whoa, 15,000 advisors directly pushing for BTC ETF? This is true institutional recognition, no longer something to hide or shy away from. --- A 1-4% allocation sounds conservative, but the real shock is the shift from "not daring to promote" to "actively promoting." --- Finally, no more arguing with client managers; it's pretty satisfying to go directly through the ETF. --- The goalkeeper turning into a salesperson—this signal is really much more impactful than the numbers themselves. --- Honestly, when traditional finance loosens up, what does that usually mean? --- I'm not surprised that Bitcoin spot ETFs are becoming standard; it's only a matter of time. --- Feels like the entire Wall Street is implicitly accepting crypto legalization, except for the US government not making an official statement yet. --- Starting from 1% and daring to promote it shows they’ve already calculated the yields internally. --- This is probably a sign that big institutions are collectively jumping in; how far are other players behind? --- ETFs are indeed more stable than directly holding coins, saving a lot of hassle.

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