{"id":176022,"date":"2025-12-03T13:00:00","date_gmt":"2025-12-03T13:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=176022"},"modified":"2025-12-03T10:23:40","modified_gmt":"2025-12-03T10:23:40","slug":"bank-of-america-conseille-etf-bitcoin","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/bank-of-america-conseille-etf-bitcoin\/","title":{"rendered":"Bank of America ouvre les vannes : les ETF Bitcoin arrivent en agence"},"content":{"rendered":"<p>Bank of America vient de franchir un cap symbolique pour la crypto. La deuxi\u00e8me banque am\u00e9ricaine autorise d\u00e9sormais ses conseillers \u00e0 recommander une exposition de 1 \u00e0 4 % en crypto. Les clients patrimoniaux ont acc\u00e8s \u00e0 une s\u00e9lection d\u2019ETF Bitcoin spot couverts par l\u2019\u00e9quipe d\u2019investissement maison.<\/p><h2 class=\"wp-block-heading\"><strong>Bank of America desserre la bride sur le bitcoin<\/strong><\/h2><span class=\"replacer\"><\/span><p>Jusqu\u2019ici, les conseillers ne pouvaient \u00e9voquer la crypto qu\u2019\u00e0 la demande expresse des clients. La nouvelle note d\u2019investissement l\u00e8ve cette barri\u00e8re.<\/p><p>Plus de <strong>15 000 conseillers<\/strong> Merrill, Merrill Edge et Private Bank sont concern\u00e9s. Ils pourront proposer <strong>une poche de 1 \u00e0 4 % en actifs num\u00e9riques<\/strong> aux profils jug\u00e9s adapt\u00e9s. La recommandation vise les investisseurs attir\u00e9s par l\u2019innovation th\u00e9matique et pr\u00eats \u00e0 accepter une forte volatilit\u00e9.<\/p><p>\u00c0 partir du 5 janvier 2026, l\u2019\u00e9quipe CIO commencera \u00e0 couvrir <strong>quatre ETF Bitcoin spot<\/strong>. La liste inclut Bitwise Bitcoin ETF (BITB) et Fidelity Wise Origin Bitcoin Fund (FBTC). Elle comprend aussi le Grayscale Bitcoin Mini Trust (BTC) et l\u2019iShares Bitcoin Trust (IBIT) de <a href=\"https:\/\/cryptonews.com\/fr\/news\/ibit-blackrock-100-euros-rendement\/\">BlackRock<\/a>.<\/p><p>Ces produits deviennent les <strong>canaux officiels pour acc\u00e9der au bitcoin<\/strong> dans l\u2019architecture maison. Ils \u00e9vitent le recours \u00e0 des exchanges non r\u00e9gul\u00e9s ou \u00e0 des solutions de garde artisanales.<\/p><p>Le mouvement intervient alors que les <a href=\"https:\/\/cryptonews.com\/fr\/news\/etf-bitcoin-record-sorties-novembre\/\">ETF Bitcoin am\u00e9ricains<\/a> g\u00e8rent d\u00e9j\u00e0 plus de <strong>150 milliards de dollars d\u2019actifs<\/strong> et pr\u00e8s de 1,3 million de BTC, soit une part significative de l\u2019offre en circulation. Ils concentrent une part croissante des flux institutionnels. En parall\u00e8le, le bitcoin a rebondi au-dessus de 92 000 dollars apr\u00e8s une correction marqu\u00e9e en d\u00e9but de mois.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Bank of America has over 15,000 wealth advisers.<br><br>None of them were allowed to recommend Bitcoin (products) until today.<br><br>Now they are encouraged to recommend a 1 to 4% allocation beginning January 5, 2026.<br><br>Yes, these will be ETFs. <br>It&#39;s a start. It&#39;s also huge. <a href=\"https:\/\/t.co\/dWty0Si3ds\">pic.twitter.com\/dWty0Si3ds<\/a><\/p>&mdash; Terence Michael (@ProofOfMoney) <a href=\"https:\/\/twitter.com\/ProofOfMoney\/status\/1995874917540344153?ref_src=twsrc%5Etfw\">December 2, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><h2 class=\"wp-block-heading\"><strong>Ce que l\u2019allocation 1\u20134 % change pour les portefeuilles<\/strong><\/h2><span class=\"replacer\"><\/span><p>Une poche de 1 \u00e0 4 % peut sembler marginale, mais elle p\u00e8se vite dans un patrimoine \u00e9lev\u00e9. Elle s\u2019inscrit dans un <strong>consensus \u00e9mergent \u00e0 Wall Street.<\/strong> Morgan Stanley, Fidelity et d\u2019autres acteurs recommandent d\u00e9j\u00e0 des expositions similaires au bitcoin via des produits r\u00e9gul\u00e9s, souvent positionn\u00e9s comme \u201cor num\u00e9rique\u201d dans les allocations. Pour un client multi-millionnaire, m\u00eame 2 % repr\u00e9sentent un ticket suffisant pour influencer la performance annuelle.<\/p><p>La nouveaut\u00e9 tient au fait que l\u2019initiative vient d\u00e9sormais du conseiller. En rendez-vous, le bitcoin en ETF peut \u00eatre pr\u00e9sent\u00e9 \u00e0 c\u00f4t\u00e9 des actions ou de l\u2019or, comme un th\u00e8me d\u2019allocation de plus. Le client n\u2019a plus besoin d\u2019introduire lui-m\u00eame le sujet. La crypto sort ainsi d\u2019un statut marginal pour entrer dans la <strong>grille standard des portefeuilles diversifi\u00e9s<\/strong>.<\/p><p>L\u2019usage d\u2019ETF r\u00e9pond aussi \u00e0 des craintes anciennes. Les clients n\u2019ont plus \u00e0 g\u00e9rer de cl\u00e9s priv\u00e9es. Ils n\u2019envoient plus leurs fonds vers des plateformes \u00e0 la r\u00e9putation fragile. La banque conserve une vision compl\u00e8te des expositions, ce qui rassure les \u00e9quipes conformit\u00e9 et simplifie les reportings.<\/p><h2 class=\"wp-block-heading\"><strong>Wall Street s\u2019aligne sur la demande crypto<\/strong><\/h2><span class=\"replacer\"><\/span><p>L\u2019annonce de <a href=\"https:\/\/www.bankofamerica.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of America<\/a> s\u2019inscrit dans un basculement plus large. Quelques jours plus t\u00f4t, <a href=\"https:\/\/cryptonews.com\/fr\/news\/vanguard-ouvre-etf-btc-eth\/\">Vanguard a rompu avec sa ligne dure<\/a>. Le gestionnaire <strong>autorise d\u00e9sormais le trading d\u2019ETF<\/strong> et de fonds crypto tiers sur sa plateforme. Cela ouvre l\u2019acc\u00e8s \u00e0 des produits Bitcoin, Ether, XRP ou Solana pour des dizaines de millions de clients. Dans le m\u00eame temps, les ETF Bitcoin am\u00e9ricains enregistrent des records r\u00e9p\u00e9t\u00e9s de flux entrants. Cela confirme l\u2019ancrage institutionnel du secteur.<\/p><p>L\u2019enjeu d\u00e9passe le seul cas Bank of America. Quand les <a href=\"https:\/\/cryptonews.com\/fr\/news\/us-bank-stablecoin-stellar\/\">grandes banques priv\u00e9es<\/a> recommandent noir sur blanc une poche de 1 \u00e0 4 %, <strong>la crypto cesse d\u2019\u00eatre un sujet de niche<\/strong>. Elle devient une ligne possible dans un portefeuille patrimonial classique, aux c\u00f4t\u00e9s des actions, de l\u2019immobilier cot\u00e9 ou de l\u2019or.<\/p><p>Cette int\u00e9gration renforce enfin le r\u00f4le des ETF Bitcoin comme infrastructure de march\u00e9. Plus les grands r\u00e9seaux bancaires les utilisent, plus la liquidit\u00e9 se concentre sur quelques v\u00e9hicules transparents. Ils restent faciles \u00e0 auditer et \u00e0 int\u00e9grer dans les outils de gestion. Le bitcoin gagne en profondeur institutionnelle. Ces m\u00eames canaux pourront pousser \u00e0 r\u00e9duire la voilure lors du prochain choc de volatilit\u00e9.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Pour aller plus loin sur le sujet : <\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/us-bank-stablecoin-stellar\/\">Apr\u00e8s JPMorgan, U.S. Bank teste un stablecoin sur Stellar : nouvelle \u00e9tape pour la finance tokenis\u00e9e<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/paiements-crypto-playstation-sony-lancera-stablecoin-2026\/\">Paiements crypto sur PlayStation : Sony lancera son stablecoin en 2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/nasdaq-tokenisation-actions-priorite\/\">Nasdaq : la tokenisation d\u2019actions devient la priorit\u00e9 num\u00e9ro 1 face \u00e0 la SEC<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Bank of America vient de franchir un cap symbolique pour la crypto. La deuxi\u00e8me banque am\u00e9ricaine autorise d\u00e9sormais ses conseillers \u00e0 recommander une exposition de 1 \u00e0 4 % en crypto. Les clients patrimoniaux ont acc\u00e8s \u00e0 une s\u00e9lection d\u2019ETF Bitcoin spot couverts par l\u2019\u00e9quipe d\u2019investissement maison.Bank of America desserre la bride sur le bitcoinJusqu\u2019ici, [&hellip;]<\/p>\n","protected":false},"author":697,"featured_media":176029,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6,42,1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-176022","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin-news","category-finance-news","category-news","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank of America ouvre les vannes : les ETF Bitcoin arrivent en agence<\/title>\n<meta name=\"description\" content=\"La deuxi\u00e8me banque 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