A big shift could be coming to your financial advisor’s playbook. Bitcoin ETF inflows are gaining serious momentum as big-name institutions prepare to open access to millions of investors.

A big shift could be coming to your financial advisor’s playbook. Bitcoin ETF inflows are gaining serious momentum as big-name institutions prepare to open access for millions of investors.

According to Bitwise Chief Investment Officer Matt Hougan, the four biggest U.S. wirehouses—Merrill Lynch, Morgan Stanley, Wells Fargo, and UBS—are in the process of adding Bitcoin ETFs to their platforms.

If this happens, it could put a lot of crypto into the hands of mainstream investors.

Institutions are here.

These firms manage a combined $10 trillion in assets, so when they move, the whole market feels it. Right now, their clients don't have direct access to Bitcoin ETFs on their platforms. But Hougan says that is changing. Behind the scenes, due diligence reviews are happening, systems are being updated, and conversations are heating up.

The expectation? By the end of 2025, advisors at these firms could be recommending Bitcoin ETFs right alongside stocks, bonds, and mutual funds.

Bitcoin ETF Inflows So Far in 2025

So far, Bitcoin ETF flows are showing a big investor shift. Grayscale saw major outflows, while BlackRock and Fidelity gained most inflows.

As of late April, we saw a strong comeback with over $500M flowing in.

Projected Record Inflows into Bitcoin ETFs

So far, 2025 has been slower for Bitcoin ETF inflows compared to last year. In 2024, the launch frenzy brought in a staggering $35 billion. This year, we’re sitting at around $3.7 billion so far.

But if the wirehouses open the gates, Hougan says those numbers could explode again, maybe even setting new records before year's end.

It's a case of "slow now, big later." Hougan believes that once Bitcoin ETFs are offered on the same platforms that manage most Americans' retirement and brokerage accounts, inflows will go from a trickle to a flood. Financial advisors tend to move carefully, but once they're in, they often stay for the long haul.

Shift from Retail to Institutional Investment

One big trend that is already playing out? The handoff from retail to institutional investors. While individual crypto investors helped get the ETF party started, institutions are quickly taking over.

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Robert Mitchnick, BlackRock's Head of Digital Assets, noted that wealth managers and institutional clients are now responsible for a bigger share of Bitcoin ETF assets than individual investors. That's a strong vote of confidence from some of the most cautious players in finance.

What Can We Expect to See from the Crypto Market?

If the big four wirehouses really do start offering Bitcoin ETFs, we’re likely to see more liquidity, fewer price swings, and potentially a sturdier floor under the market. It also opens the door for other crypto assets to follow a similar path into traditional portfolios.

This isn't just a win for Bitcoin fans. It's a sign that crypto is finding its place in the broader financial system, not as a fringe bet, but as something serious investors are now expected to consider.

We're not there yet, but the wheels are turning. If Hougan's prediction comes true and the major wirehouses jump on board by the end of 2025, the crypto market could enter a whole new phase. It would mark one of the most important steps so far in bringing digital assets fully into the financial mainstream. Investors, take note, your advisor might be talking Bitcoin sooner than you think.

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The post Bitcoin ETF Inflows Could Explode As Major Wirehouses Open Access For Advisors appeared first on 99 Bitcoins.

Key Takeaways

* The four biggest U.S. wirehouses—Merrill Lynch, Morgan Stanley, Wells Fargo, and UBS—are preparing to offer Bitcoin ETFs to their advisors, potentially opening a floodgate for mainstream investors.

* These firms manage a combined $10 trillion in assets and represent a significant move in the integration of cryptocurrency into traditional financial institutions.

* The wirehouses' decision to add Bitcoin ETFs will depend on several factors, including internal due diligence, systems updates, and administrative approval.

* If the wirehouses do start offering Bitcoin ETFs by the end of 2025, it could lead to massive investor interest and record-breaking inflows into crypto products.

* The shift from retail to institutional investors is evident in the changing ownership of Bitcoin ETF assets, with wealth managers and institutional clients now holding a larger share.

As the year progresses, we can anticipate further developments in the cryptocurrency market, with implications for both Bitcoin and other digital assets. The integration of Bitcoin ETFs into major wirehouses would mark