JPMorgan May Start Issuing Cryptocurrency-Secured Loans: A Signal of Change in the Financial Sector

One of the world’s largest banks, JPMorgan Chase, is considering launching a cryptocurrency-secured lending program. As reported by the Financial Times, citing informed sources, as early as 2026, the bank’s clients will be able to receive loans by providing digital assets such as Bitcoin (BTC) or Ethereum (ETH) as collateral. Although the initiative is still under discussion, its implementation could be an important step in the evolution of traditional financial institutions’ attitudes toward the cryptocurrency market.

JPMorgan has not yet commented on this information, but, according to the FT, the bank is actively discussing the architecture of the future program, as well as possible legal and regulatory aspects. Such measures indicate the growing interest of the traditional financial sector in digital assets, as well as increasing trust in them as forms of collateral.

It is important to note that the bank’s interest in cryptocurrencies did not arise out of nowhere. Even earlier, JPMorgan announced its readiness to provide loans secured by assets invested in cryptocurrency ETFs. This trend has become especially relevant amid the growing popularity of crypto investments among institutional clients and the SEC’s approval of a number of spot Bitcoin ETFs in the US.

An additional catalyst for the development of such products was the Genius Act, adopted in July 2025 in the US, which regulates the use of stablecoins in payment systems. This law was an important step in creating a legal framework for integrating cryptocurrencies into traditional financial processes. It strengthened banks’ confidence that transactions with digital assets can be safe and legal if there are clear rules.

The fact that leading banks like JPMorgan are starting to seriously consider cryptocurrency as an asset suitable for collateral highlights a significant change in the perception of this area. If a few years ago large banks treated crypto assets with caution, today they view them as a tool for expanding customer service and increasing competitiveness.

The potential launch of Bitcoin or Ethereum-backed lending could be a game-changer for the financial market, opening up new opportunities for both private investors and large companies working with digital assets.