UniCredit Launches Capital‑Protected Bitcoin ETF Product
UniCredit offers professional clients a BTC ETF-linked product with 100% capital protection, capped upside of 85%, rolling out July in Italy.
- Five‑year, USD‑denominated certificate linked to BlackRock’s IBIT ETF.
- 100% capital protection at maturity; upside capped at 85%.
- Available to Italian professional clients from July 1–28, min investment $25k.
UniCredit Offers Safe Bitcoin Exposure for Professionals
European banking giant UniCredit has introduced a new structured investment product linked to BlackRock’s iShares Bitcoin Trust (IBIT) ETF. This move signals a significant step toward bringing regulated, crypto-linked investment tools to traditional financial clients.
The product is available from July 1 to July 28, 2025, exclusively to professional investors in Italy. It features full capital protection at maturity, meaning investors will not lose their initial principal if they hold the product until its five-year term ends. The returns, however, are capped—investors can gain up to 85% of the ETF’s upside during the period.
How the Product Works
This new certificate is denominated in U.S. dollars and linked directly to the performance of BlackRock’s spot Bitcoin ETF. It is designed for those looking to gain exposure to Bitcoin without the risk of losing their capital. The minimum investment required is $25,000, reflecting its focus on high-net-worth and institutional clients.
UniCredit’s offering stands out in Europe because the EU has yet to approve native spot Bitcoin ETFs. By using a structured certificate tied to a U.S.-listed fund, the bank gives clients access to Bitcoin market growth within a regulated, protective wrapper.
Institutional Demand for Crypto Is Growing
According to UniCredit’s investment team, the bank created the product in response to rising demand from professional clients for structured instruments that provide crypto exposure without the volatility risks typical of direct investments.
Other European banks are also entering the crypto space cautiously. Intesa Sanpaolo has initiated Bitcoin trading desks, Deutsche Bank is working on digital asset custody solutions, and Banco Santander is exploring crypto products for retail customers. These moves show a broader trend of traditional finance institutions merging with the digital asset sector.
As EU regulators finalize frameworks like MiCA, such hybrid products are likely to become increasingly common across the continent.
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