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GM to all of you nutcases. It’s Crypto Nutshell #790 steppin’ into ‘26… 👣🥜

We’re the crypto newsletter that’s more obsessive than a drummer pushed past his limits in pursuit of greatness… 🥁🔥 

What we’ve cooked up for you today…

What’s in the Crypto Nutshell Portfolio?

BREAKING: Bank of America lets wealth advisers recommend Bitcoin ETFs

Bank of America just told its wealth advisers they can recommend Bitcoin.

The bank approved four spot Bitcoin ETFs for coverage: Bitwise (BITB), Fidelity (FBTC), Grayscale Bitcoin Mini Trust (BTC), and BlackRock's IBIT.

Advisers across Merrill, Bank of America Private Bank, and Merrill Edge can now proactively recommend these funds to clients - backed by official allocation guidance of 1-4% for suitable portfolios.

This is a major shift…

Until now, access was client-led only.

Advisers could execute trades if clients requested Bitcoin exposure, but they couldn't recommend it.

Now they can.

The lower end for conservative investors. The higher end for those comfortable with more risk.

To start, Bank of America is rolling out formal CIO research, allocation guidance, and adviser training across its network of over 15,000 wealth advisers.

Bitcoin is now becoming part of standard portfolio conversations, not exception requests.

Why this matters

Bank of America is one of the largest banks in the world.

The move mirrors a broader trend: JPMorgan launched a blockchain deposit token and filed for a Bitcoin ETF-linked structured product.

Its asset management arm is also launching a tokenized money-market fund on Ethereum.

Citi is reportedly building a crypto custody platform for 2026.

Traditional banks spent years citing regulatory uncertainty and volatility as reasons to avoid crypto. Now they're integrating it into wealth management portfolios.

Bitcoin only for now

All four approved products are Bitcoin-only. Bank of America hasn't committed to adding Ether or other crypto ETFs yet.

That's the next question: Will spot Ether ETFs receive similar treatment inside large U.S. wealth platforms? 🚀

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Matt Hougan is the CIO at Bitwise, and he spends his days talking to the kind of money that moves slowly, but moves size.

And in his latest investor memo, he basically joined the growing list of voices in crypto saying the same thing:

The 4-year cycle is over. 🪦

His logic is pretty simple:

So what replaces the 4-year boom and bust model?

Hougan calls it the 10-year grind.

Meaning: the big drivers now are slow, structural forces, institutional adoption, regulation, stablecoins, tokenization, and they don’t play out in one cycle. They play out over a decade.

And yeah, it’s still going to be violent at times. You’ll still get nasty 20-40% drawdowns.

But the core trend is institutions slowly building positions while retail stares at the chop and thinks it’s “over.”

That’s the shift.

Less casino. More slow takeover. 🐂

We’re kicking off 2026 on a high note…

The first week of the year saw $582 million in inflows.

Let’s break it down.

The inflows were once again concentrated on Bitcoin last week which saw $512 million come in.

Ethereum followed with $119.1 million in inflows.

Whilst Solana saw outflows of $30.2 million.

From a regional perspective, the US saw the bulk of inflows with $619.3 million coming in.

Canada, Germany and Sweden saw outflows of $14.1m, $11.7m and $5.8m respectively.

Digital asset funds finished 2025 with global inflows totalling $47.2 billion.

And despite 2025 being a minor down year, that’s just below the 2024 record of $48.7 billion.

Let’s see if 2026 can beat that record. 💪

Vitalik Buterin declares Ethereum solved crypto Trilemma, yet his 2030 roadmap exposes a massive ideological risk. Buterin claims Ethereum's new upgrades solve blockchain's toughest challenge without sacrificing key elements.

Strategy Starts 2026 With $116M Bitcoin Buy, Posts $17B Loss in Q4. Strategy acquired $116 million in Bitcoin to kick-start 2026, but posted a $17 billion unrealized loss during the fourth quarter of 2025.

Tom Lee says bitcoin has not peaked, calls for new all-time high by January 2026. After a late-2025 pullback, Fundstrat’s Tom Lee says crypto has not peaked, predicts a January Bitcoin breakout, and argues that Ethereum is entering a supercycle.

Crypto market structure bill could be delayed to 2027, with implementation in 2029, TD Cowen says. The firm said Democratic demands for conflict-of-interest restrictions affecting senior officials could complicate passage this year.

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Select your answer below and you’ll be redirected to the results page. (answer explanation can be found after “Meme Corner”)

Because what would the crypto world be without its share of memes?

Trivia Answer: 2 hours 🥳

Billy Markus forked Dogecoin from Litecoin in just about 2 hours as a parody of the crypto speculation craze. Jackson Palmer had bought the dogecoin.com domain as a joke days earlier. Neither expected it to become a top-10 cryptocurrency worth billions.

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DISCLAIMER: The content of this newsletter is not financial advice. This newsletter is strictly educational and is not investment advice. Please be careful and do your own research.