Attention, there is an exciting development in the world of traditional banking. Wells Fargo recently started offering loans secured by Bitcoin to institutional and high-net-worth clients, using BTC or Bitcoin ETFs as collateral at current market prices. This move is actually a result of Basel III regulatory reforms that changed capital treatment for large banks.

Even more interesting, Wells Fargo is not alone. JPMorgan, Citi, and Schwab are also expanding their similar credit services. Recent data shows that since September 2025, approximately $50 billion in new credit lines backed by Bitcoin have been issued by major American banks. That’s a significant figure indicating how seriously the traditional banking sector is taking crypto now.

Michael Saylor from MicroStrategy commented on this trend, emphasizing that over the past year, banks have shifted from cautious stance to active engagement. It’s no longer about whether they will enter Bitcoin, but how they can integrate this asset into their product offerings. For institutional investors, this opens new doors for leverage and more flexible portfolio strategies with Bitcoin as backing.