JPMorgan révolutionne la finance : le BTC et l’ETH deviennent collatéral pour les prêts institutionnels

Wall Street ouvre grand les portes à la cryptomonnaie - et cette fois, c'est du sérieux.

La bombe JPMorgan

Le géant bancaire vient d'annoncer l'acceptation du Bitcoin et de l'Ethereum comme garantie pour ses prêts aux clients institutionnels. Une décision qui envoie un signal fort : les actifs numériques ont désormais leur place dans la finance traditionnelle.

Les détails qui changent tout

Pas de demi-mesures ici. Les deux cryptomonnaies phares seront traitées comme n'importe quel autre collatéral - avec toute la rigueur et les procédures de risk management qui font la réputation de la banque. Les hedge funds et family offices pourront enfin utiliser leurs portefeuilles crypto sans avoir à les liquider.

Une validation historique

Quand la plus grande banque des États-Unis saute le pas, le marché entier en ressent les vibrations. Cette décision légitime non seulement Bitcoin et Ethereum, mais ouvre la voie à une adoption massive par les acteurs traditionnels.

Le futur est déjà là - même si certains banquiers regardent encore leur écran en se demandant comment expliquer ça à leurs grands-parents.

American Bank turns to crypto after CEO changes sentiment

The 1871-founded financial firm was once skeptical about crypto investments, but has now grown more confident, dipping its toes in the industry to join several financial institutions backing digital currency services.

JPMorgan Chase chief executive Jamie Dimon was once Wall Street’s most prominent critic of Bitcoin. He has previously labeled the king coin a “hyped-up fraud” and even compared it to a “pet rock.” Dimon’s tone has softened in recent years due to how institutional interest in digital assets has accelerated.

“I don’t think we should smoke, but I defend your right to smoke,” Dimon said at JPMorgan’s investor conference in May. “I defend your right to buy Bitcoin, go at it.”

JPMorgan’s new program comes on the heels of legacy financial institutions deepening their exposure to digital assets. A more favorable regulatory environment under US President Donald Trump’s government has contributed to the sentiment shift. 

Republican policymakers have been fronting laws to promote innovation, while simultaneously easing restrictions on crypto-related activity imposed by former POTUS Joe Biden’s administration. 

Several other Wall Street firms, including Morgan Stanley, State Street, BNY Mellon, and Fidelity, have announced advancements in crypto custody, trading, or product lines in recent months. 

As covered by Cryptopolitan, in early October, Morgan Stanley informed its financial advisors that it would expand access to crypto investments across all client segments, removing previous restrictions that had limited opportunities to high-net-worth individuals.

Advisors are now allowed to issue crypto-focused funds to any client, including those with retirement accounts. The bank’s earlier policy had confined crypto exposure to clients with at least $1.5 million in assets, an aggressive risk profile, and a taxable brokerage account.

JPMorgan to use AI in financial infrastructure

Beyond its growing acceptance of crypto, JPMorgan executives alluded that the bank is going through a “fundamental transformation” to include artificial intelligence in its digital finance infrastructure. 

The company has launched a portal known as LLM Suite, equipped with the capabilities of large language models developed by top AI startups.

According to Derek Waldron, JPMorgan’s chief analytics officer, the platform uses models from OpenAI and Anthropic to assist with research, document analysis, and workflow automation in the bank’s major divisions. 

Every eight weeks, LLM Suite is reportedly updated with fresh data drawn from the bank’s extensive internal databases and software systems. 

“The broad vision that we’re working towards is one where the JPMorgan Chase of the future is going to be a fully AI-connected enterprise. There is a value gap between what the technology is capable of and the ability to fully capture that within a company,” Waldron told CNBC.

Sign up to Bybit and start trading with $30,050 in welcome gifts