Bitcoin could become collateral for the financial system, says CEO in Lugano

During an event held in September 2026 in the city of Lugano, Switzerland, crypto industry leaders pointed out that Bitcoin could take on a role as collateral in the international financial system, signaling a paradigm shift in the institutional use of the cryptocurrency. The discussion brought together names like Adam Back, CEO of Blockstream, and Daniele Bernardi, CEO of Diaman Partners, who assessed the progress of institutional adoption and the remaining obstacles to integrating Bitcoin into traditional financial structures.

Bitcoin as collateral: potential and challenges

The highlight of the panel was the analysis of the possibility of using Bitcoin as collateral in financial operations, instead of serving only as a means of payment. Adam Back argued that the programmed scarcity of the digital currency and its independence from national monetary policies could make it a robust alternative to guarantee credit and liquidity operations between institutions. According to Back, “Bitcoin can be the digital gold of our time, but it can also be the foundation for new forms of collateralization.”

Daniele Bernardi added that, for this scenario to materialize, it will be essential to develop secure custody solutions and improve regulatory frameworks. He emphasized that the asset’s volatility is still a point of concern, but the growing interest from funds and traditional banks indicates a maturing market trajectory.

Institutional adoption and custody challenges

The event in Lugano brought to light the institutional adoption of Bitcoin as one of the drivers for its consolidation as a relevant asset in the financial market. As discussed by the executives, major banks and asset managers are already studying ways to integrate Bitcoin into their operations, whether as a store of value or as a tool for portfolio diversification.

One of the biggest challenges highlighted is the secure custody of digital assets. Solutions such as cold storage, multi-signature, and third-party custody services are evolving, but still lack global standards that provide adequate legal and operational security for large institutional volumes. The need for audits, compliance, and integration with legacy systems from the traditional financial sector was also mentioned as a significant obstacle.

Asset tokenization: limits and opportunities

In addition to the debate on Bitcoin, the panel addressed the tokenization of traditional assets such as bonds, real estate, and commodities. The executives acknowledged the potential for efficiency and democratized access that tokenization can bring, but warned of practical and regulatory limitations. According to Bernardi, “not everything can or should be tokenized, and there is a fine line between innovation and unnecessary complexity.”

Despite this, the trend of asset digitalization continues to grow, especially in markets like Europe, where clearer regulations already allow for experiments with tokenized securities. The panel’s consensus was that, although tokenization can expand investment and liquidity options, Bitcoin remains the main candidate for global collateral due to its liquidity, transparency, and security.

What to expect for the future of Bitcoin in the financial market

The Lugano experts project that, as custody infrastructure evolves and regulatory frameworks become clearer, Bitcoin should consolidate as one of the main collateral assets in institutional operations. This movement could boost demand for the asset and reinforce its position as a store of value, especially in scenarios of macroeconomic instability.

For investors, the possibility of Bitcoin acting as collateral opens up new ways to gain exposure to the asset and may directly influence its pricing and volatility in the medium and long term. Keeping up with regulatory discussions and custody innovations will be essential for those seeking to understand the next cycle of institutional adoption.

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With information from BeInCrypto Brazil.

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Alexandre Bianchi

Fundador da Bianchi Capital e do Zayion AI. ~10 anos no mercado de ativos digitais, autor de referência e presença na mídia.

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