Morgan Stanley Expands Crypto Roadmap With Bitcoin Lending & Yield Plans

TLDR

• Morgan Stanley is exploring Bitcoin lending and yield products.

• E Trade clients may access spot crypto trading soon.

• Bank is developing native crypto custody infrastructure.

• Clients are advised to limit Bitcoin exposure to 2 to 4%.

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Morgan Stanley is exploring Bitcoin lending and yield services as part of its broader crypto expansion strategy. The move comes as the bank develops native custody and trading infrastructure to serve growing digital asset demand.

Amy Oldenburg, Morgan Stanley’s head of digital assets, confirmed that lending and yield products tied to Bitcoin are under discussion. She described the initiative as an early-stage exploration aligned with the firm’s long-term roadmap.

Bitcoin Lending and Yield Under Review

Speaking at Strategy World 2026, Oldenburg addressed questions about whether Morgan Stanley would offer yield and lending services linked to Bitcoin holdings. She said, “That’s part of the discussion and exploration.”

She added that such products are a natural extension of the bank’s crypto roadmap. According to Oldenburg, the firm is still in the early phase of evaluating these services.

She noted unexpected momentum in decentralized lending markets this year. That trend has contributed to internal discussions about how traditional banks might participate in similar offerings.

Morgan Stanley has not announced a timeline for launching Bitcoin lending products. The bank continues to assess regulatory and operational considerations before expanding its services.

E Trade Integration and Custody Infrastructure

Morgan Stanley plans to allow E-Trade customers to buy and sell spot crypto before launching its own custody and exchange solution. The approach enables gradual integration while internal systems are built.

Oldenburg emphasized that relying only on third-party providers would not meet the bank’s standards. She stated that clients expect reliability and institutional-grade infrastructure.

“People expect Morgan Stanley; they trust our brand to be no fail,” she said. The bank operates in 17 of the top 20 countries by crypto adoption, which increases demand for secure services.

Building in house custody and trading infrastructure would position Morgan Stanley among the first major US banks offering comprehensive crypto solutions. The bank continues to expand its digital asset capabilities across divisions.

Broader Digital Asset Strategy and Portfolio Guidance

Morgan Stanley Investment Management filed earlier this year for Bitcoin, Ethereum, and Solana exchange-traded products. The filings reflect broader institutional engagement with digital assets.

The bank has advised clients to limit Bitcoin exposure to between 2% and 4% of portfolio assets. This guidance aims to balance potential upside with volatility risks.

When asked how much crypto clients already hold outside Morgan Stanley platforms, Oldenburg said “a considerable number.” That statement suggests existing client interest beyond the bank’s current offerings.

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