- Morgan Stanley plans to add Bitcoin lending and yield products.
- Rollout follows spot trading and in-house custody buildout.
- Services will be integrated directly into brokerage accounts.
- Bank keeps Bitcoin allocation guidance at 2% – 4%.
- Spot crypto ETFs are also part of the expansion plan.
On February 25, 2026, Amy Oldenburg, who leads digital asset strategy at the bank, confirmed that this change is definitely planned for the future.
At the Bitcoin for Corporations conference in Las Vegas, Oldenburg explained that these services are currently being explored. However, she emphasized that the bank sees lending with Bitcoin and earning returns on its Bitcoin holdings as a logical next step in its overall crypto strategy.
A Multi-Phase Crypto Buildout
The bank is carefully adding digital assets to its existing brokerage services through a planned, step-by-step process.
Starting in early 2026, the initial stage will allow customers to directly buy and sell popular cryptocurrencies like Bitcoin, Ethereum, and Solana. This service is launching through E*TRADE, reaching millions of users thanks to a collaboration with ZeroHash, a company specializing in crypto technology.
Expected around mid-2026, the next step involves creating our own secure digital asset storage and a unique trading platform. This will allow us to operate with the high level of dependability institutions require, while also decreasing our dependence on external companies. By building these systems internally, Morgan Stanley will have greater control over operations and better meet regulatory requirements.
Once customers’ Bitcoin is securely held with us, we’ll move into the next phase: offering Bitcoin lending and ways to earn rewards directly within their accounts. This means they’ll be able to borrow using their Bitcoin or earn interest on it, all without needing to transfer their assets anywhere else.
Why Bitcoin Lending Now?
Oldenburg highlighted the surprising growth in lending within blockchain-based financial systems as a key development. The increasing popularity of borrowing and earning strategies in decentralized finance (DeFi) is now prompting traditional banks and financial firms to explore how they can get involved while still adhering to regulations.
Morgan Stanley manages almost $9 trillion in assets for its clients and believes it can attract more of that business by bringing cryptocurrency investments currently held on other platforms under its direct management. This move is part of a larger trend among big banks aiming to profit from the growing crypto market, which has traditionally benefited specialized crypto companies.
Portfolio Positioning and ETFs
Even as the bank looks to grow its services, it’s still recommending a cautious approach to Bitcoin. It currently advises clients to keep their Bitcoin investments between 2% and 4% of their overall investments, seeing it as a smaller part of their portfolio rather than a main one.
In addition to traditional trading and loans, Morgan Stanley is now offering regulated investment options. In early January 2026, they applied to launch exchange-traded funds (ETFs) for Bitcoin, Ethereum, and Solana, making it easier and more regulated for investors to access these digital assets.
The Road Ahead
Adding lending and yield services would be a significant change for a major Wall Street firm like Morgan Stanley. By bringing together its trading, custody, ETF, and credit services, the bank aims to directly compete with both established crypto companies and other traditional financial institutions also entering the crypto market.
Although specific dates are uncertain and the exact details are still being worked out, it’s clear that Bitcoin is becoming more integrated into traditional investment platforms. Morgan Stanley plans to be a key part of this growing trend.
This article is for informational purposes only and shouldn’t be considered financial, investment, or trading advice. Coindoo.com doesn’t support or suggest any particular investment or cryptocurrency. Always do your own research and talk to a qualified financial advisor before investing.
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2026-02-27 17:13