{"id":38307,"date":"2025-07-23T08:31:55","date_gmt":"2025-07-23T08:31:55","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=38307"},"modified":"2025-07-23T08:31:55","modified_gmt":"2025-07-23T08:31:55","slug":"genius-act-already-shaping-banking-jpmorgan-looks-to-accept-crypto-as-loan-collateral","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=38307","title":{"rendered":"GENIUS Act Already Shaping Banking: JPMorgan Looks to Accept Crypto as Loan Collateral"},"content":{"rendered":"
\n

The ink has barely dried on the GENIUS Act, but it is already <\/span>pushing big<\/span> banks toward digital assets.<\/span> JPMorgan Chase is reportedly exploring the idea of <\/span>letting<\/span> clients use cryptocurrency as collateral for loans, <\/span>showing<\/span> a <\/span>clear<\/span> change<\/span> in how the U.S. banking sector may engage with crypto moving forward. The JPMorgan crypto loan program is still in testing, but it could mark a major shift in how banks engage with digital assets.<\/span><\/p>\n

From Law to Test Run in Days<\/span><\/h2>\n

The GENIUS Act, now officially in effect, provides new clarity regarding<\/span>\u00a0stablecoins and opens the door to regulated crypto finance products.<\/span> JPMorgan appears ready to act. <\/span>Sources indicate that the bank is developing a pilot program that would enable institutions to secure loans by pledging assets, such as<\/span>\u00a0Bitcoin.<\/span> Retail users will likely be <\/span>left out<\/span> for now, but the program could expand if it <\/span>works<\/span>.<\/span><\/p>\n

\"\"
Source: Shutterstock<\/figcaption><\/figure>\n

A Turnaround from JPMorgan Leadership<\/span><\/h2>\n

This <\/span>shows<\/span> a <\/span>real<\/span> change<\/span> in tone.<\/span> CEO Jamie Dimon has spent years dismissing Bitcoin and its peers, but things are different when rules are <\/span>clearer<\/span> and clients start asking for new tools. Using crypto as collateral isn\u2019t just about staying trendy. It\u2019s about finding new ways to serve large clients who already hold digital assets.<\/span><\/p>\n

Why Clients Want It<\/span><\/h2>\n

There\u2019s real demand. Institutional clients want ways to unlock liquidity without having to sell their crypto. This program could make that possible. The idea is to lock up the crypto in custody, assign a conservative value based on volatility, and issue short-term loans against it. It\u2019s not unlike using stocks or real estate as collateral, just with more moving parts.<\/span><\/p>\n

DISCOVER: 9+ Best High-Risk, High-Reward Crypto to Buy in July2025<\/a><\/strong><\/p>\n

Perfect Timing or Convenient Coincidence?<\/span><\/h2>\n

This news isn\u2019t coming out of nowhere. <\/span>The GENIUS Act has removed key legal barriers, and sentiment <\/span>across<\/span> finance is <\/span>changing<\/span>.<\/span> Banks have tiptoed around crypto for years, but this gives them room to move without worrying about sudden regulatory blowback. <\/span>With rules now <\/span>written<\/span>, the excuses to stay out are disappearing.<\/span><\/p>\n

\n
\n
\n
\"btc<\/div>\n
\n
\n
Bitcoin<\/div>\n
Price<\/div>\n
Market Cap<\/div>\n<\/div>\n
\n
BTC<\/div>\n
<\/div>\n
$2.38T<\/div>\n<\/div>\n<\/div>\n<\/div>\n
24h<\/span>7d<\/span>30d<\/span>1y<\/span>All time<\/span><\/div>\n<\/div>\n

<\/canvas><\/div>\n

There is Some Resistance<\/span><\/h2>\n

Even with new laws, this won\u2019t be an easy rollout. Crypto\u2019s price swings can cause <\/span>major<\/span> headaches for anyone managing risk. There\u2019s also the issue of which coins are safe enough to qualify. <\/span>Bitcoin and Ethereum are likely first in line, but anything beyond that is <\/span>going<\/span> to face more scrutiny.<\/span> JPMorgan is expected to <\/span>run<\/span> tests with only a few clients before deciding how <\/span>wide<\/span> to <\/span>go<\/span>.<\/span><\/p>\n

DISCOVER: Next 1000X Crypto: 10+ Crypto Tokens That Can Hit 1000x in 2025<\/a><\/strong><\/p>\n

What Happens If It Works<\/span><\/h2>\n

If JPMorgan launches this successfully, the impact could spread quickly. Other major banks may follow, and new products could pop up across the sector. Crypto-backed lending could become just another tool in the financial toolbox. But that only happens if the numbers make sense and the risk can be managed.<\/span><\/p>\n

The JPMorgan crypto loan initiative shows how quickly banks are moving once legal clarity removes old barriers. The GENIUS Act laid the legal groundwork. <\/span>Now<\/span> banks like JPMorgan are deciding what to build on top of it. Crypto as loan collateral could stay niche, or it could turn into something much bigger. Either way, the old lines between crypto and traditional finance are starting to blur.<\/span><\/p>\n

DISCOVER:\u00a0<\/span>20+ Next Crypto to Explode in 2025\u00a0<\/span><\/a><\/strong><\/p>\n

Join The 99Bitcoins News Discord Here For The Latest Market Updates<\/span><\/a><\/strong><\/p>\n

<\/p>\n

\n

Key Takeaways<\/h2>\n

<\/p>\n