SoFi has become the first U.S. national bank to offer retail crypto services, launching its SoFi Crypto platform to let customers buy, sell, and hold Bitcoin directly in their accounts, with full access for all 12.6 million members expected by the end of 2025.
Bitwise CIO Matt Hougan sees the crypto market nearing a bottom amid retail exhaustion, while Senator Cynthia Lummis urges U.S. banks to integrate digital assets into the financial system.
Morgan Stanley is planning to add spot Bitcoin and crypto trading to its E*Trade platform in 2026, giving retail investors direct access through their brokerage accounts.
As evidenced by historically high levels of long-term holders, it’s clear that bitcoin's supply is getting more distributed across a vast array of adopters.