嘉信理财的比特币和以太坊的推出表明加密货币正在深入主流经纪账户

Charles Schwab operates 38.9 million active brokerage accounts and holds $12.22 trillion in client assets. For years, investors in those accounts could reach Bitcoin and Ethereum through ETFs, crypto-related equities, and futures. A phased launch beginning in the second quarter closes the gap with direct investments . Schwab Crypto, offered through Charles Schwab Premier Bank, SSB, will let qualifying clients buy and sell Bitcoin and Ethereum directly. The offer is available in all US states except New York and Louisiana, on a timeline that starts with employees and a small initial cohort before broadening. Why this matters: Schwab is not introducing crypto to a crypto-native audience. It is testing whether direct Bitcoin and Ethereum ownership can sit inside the workflow of a mainstream brokerage customer. If that model gains traction, the implications reach beyond Schwab to product design, broker competition, and the next layer of retail crypto adoption. The product architecture includes a structural boundary that clients and operators will immediately feel. Schwab Crypto operates through a dedicated account with an affiliated bank subsidiary. This means that the structure is in a separate account from the brokerage accounts where investors already hold stocks, bonds, and ETFs. The crypto assets carry no SIPC or FDIC protection. Schwab currently accepts no crypto deposits and does not settle securities or futures transactions in crypto. Mainstream access is real, and it arrives on carefully controlled broker-defined terms. A bar chart shows crypto adoption of 0.5% to 2% across Schwab's 38.9 million accounts would reach between 194,500 and 778,000 direct holders. What drove the timing into 2026 is a policy calendar that dissolved three major institutional frictions within four months. In January 2025, SAB 122 rescinded the earlier SAB 121 crypto safeguarding guidance that had made custody economics unattractive for traditional banks. Related Reading Ability for US