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Strategy’s Bitcoin Banking Adoption Index scores 25 banks at 32%

The index is based on how extensively banks built services across custody, trading, investment products, lending, and leadership support, Strategy says.

Reported · Written up by our desk · Market Structure

Strategy’s new Bitcoin Banking Adoption Index assigns 25 major banks and financial institutions an overall 32% score for how much Bitcoin-related infrastructure they have built. The measure is described as a “depth” score that tracks activity across custody, trading, investment products, lending, and leadership signals of institutional support, according to CryptoSlate.

Crypto market ownership figures cited alongside the index show that individuals hold the bulk of Bitcoin’s maximum supply. Bitwise’s Q3 2026 Crypto Market Review estimates that individuals hold 66.1% of Bitcoin’s 21 million maximum supply, or about 13.9 million BTC, versus 7.8% held by businesses and 7.2% held by funds and ETFs.

The combined businesses, funds, and ETFs ownership is about 15% of supply, or roughly 3.15 million BTC, leaving individuals holding about 4.4 times more Bitcoin than those two groups combined. CryptoSlate says that this retail-heavy ownership base is part of the rationale for why banks are investing in Bitcoin services.

CryptoSlate adds that high index scores indicate banks have developed the plumbing to custody, trade, lend against, and package Bitcoin for clients, while the index does not attempt to measure which entities own the coins. Banks, it says, compete first for accounts and services tied to retail holders before attempting to win coins themselves, with customer rights depending on the specific custody, brokerage, or lending agreements.

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