#数字货币市场回调 The threshold for TradFi has dropped again - American banks are serious this time.

It has been confirmed that starting from January next year, wealth management advisors at American banks will be allowed to recommend Bitcoin spot ETFs to clients, suggesting an allocation ratio between 1% to 4% of the total assets in the account. This is not a rumor, but a formal policy adjustment.

This matter is more interesting than it appears on the surface. It marks the inclusion of crypto assets into the "standard toolbox" of mainstream wealth management in the United States. Traditional investors who previously stayed away from the market due to lack of understanding, fear, or distrust now have a trusted entry point — indirectly holding Bitcoin through their financial advisors. This is a new channel for incremental funds, and the source is stable.

However, looking at it calmly, don't expect it to directly surge in the short term. The policy will not be implemented until January, and the allocation limit of 1%-4% indicates one fact: institutions still treat cryptocurrencies as "satellite assets" to enhance yield diversity, rather than core holdings. Its role is more like providing support during market downturns, rather than fueling the fire during uptrends.

When it comes to practical implementation, here are a few suggestions:

Don't mistake long-term benefits for short-term signals. This news does confirm that the industry's fundamentals are improving, but the market won't just surge because of one policy. Position management and risk control logic cannot be relaxed because of this.

Stay alert. The main contradictions in the current market will not disappear just because of the actions of a single bank. It is still time to wait and see; do not exhaust your ammunition because of one piece of news.

Pay attention to the ripple effect. If more large financial institutions follow suit with similar policies, it will have a different significance. The actions of a single institution are a test, while the actions of a group of institutions indicate a trend.

In the end, the path is getting wider, but how to walk and how fast still depends on the actual road conditions beneath our feet. Maintaining a steady pace is more important than chasing the wind.