Morgan Stanley allows full investment in Bitcoin! Eliminates the 1.5 million threshold, everyone can grab it on 10.15.

Morgan Stanley allows a major policy shift in Bitcoin investment, fully opening up for all customers to invest in BTC and ETH starting October 15, eliminating the original high net worth threshold of $1.5 million. Financial advisors can promote BlackRock and Fidelity's encryption funds to retirement account holders, with the global investment committee recommending an initial allocation of up to 4%. Collaborating with Zerohash to trade BTC, ETH, and SOL on the E*Trade platform, the Wall Street banks fully embrace the era of encryption assets.

Morgan Stanley abolishes $1.5 million threshold, shocking Wall Street

According to a report by CNBC on October 10, Morgan Stanley will expand its cryptocurrency product range starting October 15, allowing all wealth management clients to access digital assets. This marks a historic shift in Wall Street's top investment bank's attitude towards cryptocurrency.

· From Elite Exclusivity to Universal Inclusivity

This move will expand investment channels, covering a broader range of investors, no longer limited to high-net-worth clients. Previously, high-net-worth clients were the only group eligible for cryptocurrency investments.

Threshold Comparison to Major Changes:

Old policy: Only investors holding at least 1.5 million dollars in taxable brokerage accounts.

New policy: All customers (including retirement account holders) can invest.

Effective Date: October 15, 2025

· Beneficiaries: Millions of ordinary investors gain access to encryption investment channels

Starting from October 15, the bank's financial advisors will be able to offer cryptocurrency fund investments to all clients, including those with retirement accounts. This means that even retirement savings accounts (such as 401(k) and IRA) can allocate Bitcoin and Ethereum, which is extremely rare in traditional financial institutions.

Morgan Stanley's decision to allow investment in Bitcoin will direct a portion of the trillions of dollars in assets it manages into the encryption market, providing long-term support for BTC and ETH prices.

Investment Products and Risk Control Mechanisms

· Currently investable encryption products

Currently, advisors can only recommend Bitcoin funds from BlackRock and Fidelity, but Morgan Stanley is closely monitoring the market for potential new products, including other types of encryption products.

Investment Product List:

BlackRock iShares Bitcoin Trust (IBIT): One of the largest Bitcoin ETFs in the market

Fidelity Bitcoin Fund: Established Asset Management Company Product

Other listed crypto ETFs: Customers can apply to invest in any listed cryptocurrency exchange-traded fund.

CNBC pointed out that customers can also apply to invest in any listed cryptocurrency exchange-traded funds (ETFs). This means that, in addition to Bitcoin, Ethereum ETFs and other potentially approved crypto ETFs are also within the investment scope.

· Automatic Monitoring System to Prevent Overexposure

According to reports, Morgan Stanley will rely on an automated monitoring system to ensure that customers are not overly exposed to the volatile encryption market. This is a risk management measure taken by the bank to protect both customers and its own reputation.

Risk control mechanism:

Automated Monitoring System: Real-time tracking of customer encryption asset allocation ratios

Configuration limit: Prevent single customers from overly concentrating on encryption assets.

Suitability assessment: Ensure that the investment aligns with the client's risk tolerance.

· Compliance Framework: Adhere to SEC and FINRA regulatory requirements

The company's global investment committee recently released a report suggesting an initial cryptocurrency allocation of up to 4%, depending on the investor's goals, ranging from wealth preservation to opportunity growth. This recommended allocation of 4% provides clear guidance for financial advisors.

The committee pointed out that cryptocurrencies are becoming an increasingly important asset class, and some investors may view them as part of a diversified portfolio. This official statement represents that Morgan Stanley has regarded crypto assets as legitimate investment tools rather than speculative gambling.

E*Trade platform integrates BTC, ETH, SOL trading

Earlier, Morgan Stanley announced in September that it would partner with the cryptocurrency infrastructure provider Zerohash to enable Bitcoin, ETH, and Solana (SOL) trading through its E*Trade platform.

· Launch of the three major mainstream coin trading

E*Trade encryption trading feature:

Supported coins: Bitcoin (BTC), Ethereum (ETH), Solana (SOL)

Technical Partner: Zerohash (Professional encryption infrastructure provider)

Integrated platform: E*Trade (Morgan Stanley's retail trading platform)

Expected Impact: Millions of E*Trade users gain encryption trading capabilities.

This integration will make Morgan Stanley's E*Trade platform one of the most comprehensive platforms for cryptocurrency trading among traditional brokers, competing with pure crypto platforms like Robinhood and Coinbase.

Choosing Solana as the third supported coin shows that Morgan Stanley not only focuses on Bitcoin and Ethereum, the two major mainstream coins, but also recognizes the investment value of high-performance public chains. The addition of SOL provides customers with more diversified encryption investment options.

Wall Street banks fully embrace encryption assets

The company continues to delve into the cryptocurrency field, joining the ranks of many top banks to provide customers with cryptocurrency investment services. With the ongoing positive development of the regulatory environment in the cryptocurrency industry, the company's transformation towards digital assets has also followed.

· Competitor Follow-up Dynamics

Companies like JPMorgan and Charles Schwab are also exploring ways to allow customers to invest in cryptocurrencies. This shows that Morgan Stanley's allowance for investing in Bitcoin is not an isolated case, but rather a trend across Wall Street.

Other banks' encryption layout:

JPMorgan Chase:

In June this year, it was announced that trading and wealth management clients would be allowed to use cryptocurrency assets as collateral for loans.

First accept BlackRock's iShares Bitcoin Trust (IBIT) as collateral.

Providing credit services supported by encryption assets for high-net-worth clients.

Charles Schwab:

Explore providing customers with cryptocurrency trading and investment services

Assessing the integration of encryption ETF products

Research digital asset custody solutions

Improvement of Regulatory Environment Drives Institutional Involvement

With the ongoing positive development of the regulatory environment in the cryptocurrency industry, the company's transition to digital assets has also followed suit. The clear regulatory framework promised by the Trump administration, the successful launch of Bitcoin and Ethereum ETFs, and the SEC's softened stance towards the crypto industry have all provided greater confidence to traditional financial institutions.

Factors for Improvement in the Regulatory Environment:

Bitcoin Spot ETF Approval: SEC Approves Multiple Bitcoin ETFs in January 2024

Ethereum ETF Launch: Ethereum ETF Begins Trading in July 2024

Trump Supports Encryption: The White House Clearly Backs a Regulatory Framework for Innovation and Customer Protection

SEC's attitude softens: enforcement actions decrease, approval processes accelerate

These positive developments have given conservative Wall Street institutions like Morgan Stanley the confidence to open up cryptocurrency investments to all clients, not just those with the highest risk tolerance.

The Historical Significance of Morgan Stanley Allowing Investment in Bitcoin

Morgan Stanley has eliminated the $1.5 million threshold, allowing all clients (including retirement account holders) to invest in Bitcoin and Ethereum, marking a key turning point in the transition of cryptocurrency from an edge speculative tool to a mainstream investment asset.

Long-term impact analysis:

Capital inflow scale: Morgan Stanley manages trillions of dollars in client assets, and even with a recommended allocation ratio of 4%, it will bring hundreds of billions of dollars in incremental funds to the encryption market.

Demonstration effect: As one of Wall Street's top investment banks, Morgan Stanley's actions will prompt other conservative institutions to follow suit, creating a domino effect.

Legitimacy certification: When retirement accounts can legally allocate Bitcoin, it sends a signal to the entire financial system: encryption assets have become an acceptable long-term investment tool.

Market Stability: The long-term allocation by institutional investors will reduce the speculative volatility of the encryption market and enhance overall stability.

October 15 will be recorded in cryptocurrency history, marking the first year Wall Street officially opens digital asset investment to all clients.