Strategy CEO Phong Le predicts: "In the next 12 months, we are likely to see the largest growth in the adoption of Bitcoin banking services in history." He stated that banks no longer debate whether cryptocurrencies have value; driven by inflationary pressures, increasingly clear regulatory rules, and direct customer demand, they are adopting this field.
Le also points out a clear trend: artificial intelligence will diminish the value of traditional stocks that are linked to human labor. Investors will begin to search on a large scale for "things that robots cannot produce additional copies of," and the scarce Bitcoin will become the main target for capital.
The emergence of AI agents has further strengthened this situation. Robots are unable to open accounts in traditional banks, so blockchain networks have become the only natural environment for them to conduct settlements.
How do banks currently make money from this?
What this person in charge, Strategy, said has been confirmed by the latest "Bitcoin Banking Business Adoption Index." In the third quarter of 2026, the participation rate of the world's top 30 banks increased to 34%. The main sources of revenue include crypto custody, spot fund trading, and Bitcoin mortgage loans.
Statistical data shows that the regional imbalance is quite evident. American financial giants are far ahead: Fidelity Group, the “locomotive” of Wall Street, has an adoption rate of 77%. Following that are JPMorgan Chase (47%), Bank of New York Mellon (46%), Goldman Sachs (45%), and Morgan Stanley (45%). With the price of Bitcoin above $81,600, these institutions are actively expanding the scale of their crypto services.
Financial groups in Europe and Asia remain more cautious. Barclays Bank of the UK (30%), Deutsche Bank of Germany (27%), and Mitsubishi UFJ Financial Group of Japan (18%) are progressing more slowly and are still mainly limited to targeted projects.
The article argues that the market is still in its early stages, but the era of doubt has come to an end. As Strategy, the executive chairman Michael Saylor, said, Bitcoin has become "primal financial energy," and businesses will transform it into digital credit. The coming year will reveal whether European capital can narrow the gap, or whether Wall Street will take over the entire industry.
