Early Bitcoin, Ethereum, and even XRP buyers, together with VCs and angels, are already wealthy. Bitcoin rose by greater than 1 million % within the final decade, whereas Ethereum, per some projections, could attain $10,000 earlier than 2030. Solana, XRP, and different prime 10 cryptos are already up a number of multiples from their all-time lows.
Given this, establishments will at all times observe the trade, searching for secure methods to achieve publicity. Whereas crypto merchandise authorised within the US are already gaining traction, drawing billions from Wall Avenue, there are noteworthy strikes within the in any other case restrictive EU. To this point in early February, spot Bitcoin ETF issuers handle over $100Bn regardless of huge outflows in January.
(Supply: SosoValue)
Just lately, ING Germany rolled out crypto ETP buying and selling for retail buyers, giving direct publicity to Bitcoin, Ethereum, and Solana via common securities accounts. Whereas the product is unquestionably engaging, the timing coincides with a interval when crypto sentiment has taken successful. Bitcoin, Solana, and Ethereum are buying and selling at round 2026 lows, extending losses from This fall 2025.
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What’s a Crypto ETP and Why Is ING Providing It?
The truth that ING Germany is issuing a crypto ETP, in partnership with VanEck, for retail buyers comes as no shock. More and more, extra crypto companies in Europe are providing crypto entry via regulated merchandise as a substitute of exchanges. Banks in Europe can now deal with crypto like a inventory or bond, decreasing the training curve. It additionally indicators how European regulation is reshaping who controls entry to digital property.
Huge transfer for European adoption: ING Germany is opening the doorways to crypto for its 9.5 million clients. Because the third-largest financial institution on this planet's third-largest financial system, their new crypto ETN choices mark a serious milestone for retail crypto entry. pic.twitter.com/Vk8QGvV5cq
— Lark Davis (@LarkDavis) February 3, 2026
A crypto ETP is a safety that tracks the worth of a coin with out requiring you to carry it immediately. On this association, the financial institution handles custody and reporting. ING Germany can do that as a result of BaFin regulates it as a licensed financial institution. Retail buyers purchase a Bitcoin ETP, Ethereum ETP, or Solana ETP inside the identical account they use for shares or ETFs. No wallets. No personal keys. Much less room for person error.
The ETP is out there for buying and selling via an present ING securities account alongside common shares and ETFs. Nonetheless, there are some procedures to finish earlier than buying and selling. For instance, earlier than inserting an order, the dealer should cross a compulsory suitability test to show an understanding of underlying dangers, primarily volatility. When authorised, merchants can pay a fee. On the similar time, the underlying asset can’t be withdrawn and moved to third-party wallets like MetaMask.
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Gamechanger for Retail Traders In Europe?
The construction of the crypto ETP mirrors the demand seen in spot crypto ETFs and ETPs from companies like VanEck and Bitwise. Huge gamers getting into early often sign the place regulated cash feels most secure. This launch removes a standard concern for inexperienced persons: custody threat. After the collapse of exchanges, primarily FTX, within the final bear market in 2022, many individuals determined crypto was not well worth the stress. A bank-backed crypto ETP solutions that concern immediately.
It additionally plugs crypto into present European rules. As a result of an ETP is legally structured as a transferable safety, it falls below the long-standing Markets in Monetary Devices Directive (MiFID II) framework. Right here, the foundations are easy: If the providing, on this case by ING, trades on a inventory alternate, then it will likely be ruled by conventional securities legal guidelines, such because the German Banking Act, slightly than MiCA. Merchants will get the protections of a regulated brokerage account, which are sometimes extra strong than early-stage crypto rules.
By utilizing ETPs, ING is offering a product that matches completely into an establishment’s risk-management software program and tax reporting. This is sensible as a result of establishments are sometimes legally prohibited from holding “uncooked” tokens as a result of they can’t simply audit or safe them. And this development is rising; so far, banks like BPCE in France and Commerzbank in Germany are following ING’s lead.
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The publish ING Germany Opens the Door to Bitcoin, ETH, and Solana ETPs appeared first on 99Bitcoins.
