主要洞察：
- 比特币 custody is scheduled to launch within Citi 托管+ later in 2026.
- Initial 支撑 for 比特币 is targeted toward institutional clients.
- Custody+ 将流动性、结算、资产服务和数据整合到一个单一系统中。
Citigroup has announced plans to integrate 比特币 custody into its 托管+ platform later in 2026, beginning with institutional accounts. This initiative houses 比特币 alongside conventional securities within a unified operating structure, potentially cutting down dependence on fragmented reporting systems and third-party crypto custodians. The timeline was disclosed by Citi on August 18 alongside the rollout of near-real-time custody and settlement capabilities.
虽然具体的推出日期和其他支持的资产尚未明确，但在消息公布后，比特币交易价格接近 64,700 美元，不过花旗并未将该平台的发布与市场价格预期挂钩。这一最新的比特币发展建立在花旗于 2025 年 10 月首次透露的数字资产框架的基础之上。
花旗将比特币托管纳入其 Custody+ 框架
据花旗称，该服务将在该行的统一数字资产架构上运行，通过一个有凝聚力的系统提供传统和加密货币托管功能。比特币将作为首个支持的资产，将花旗的比特币产品稳固地融入其既有的托管业务中。
该部门目前为跨越 100 多个市场的客户提供服务，其中包括在花旗专属网络上运营的 62 个市场。这种规模为该行即将推出的产品奠定了现有的机构客户基础，允许资产管理者将其比特币存放在与其债券和股票相同的机构中。
Under the model, the bank safeguards the assets directly, sparing clients from managing 私钥 themselves. Even so, Citi has not yet released specifics regarding fees, insurance coverage, wallet architecture, subcustodians, or client eligibility requirements. These parameters will ultimately determine how the Citi Bitcoin solution measures up against dedicated digital asset providers.
Amit Agarwal, who heads custody for Citi Investor Services, described 托管+ as a multi-year investment in infrastructure designed to streamline client operating frameworks as market dynamics evolve.
Custody+ 将实时工具整合到一个模块化系统中
Beyond Bitcoin custody, the Custody+ platform consolidates a wide array of post-trade functions. Its toolset encompasses market intelligence, tax processing, cash management, foreign 交易所, liquidity, settlement, and asset servicing.
该套件由单事件处理（Single Event Processing）技术提供支持，该技术目前已部署在该行的美国托管业务中。据花旗报告，SEP 将自愿公司行动的处理时间缩短了多达 92%，在两小时窗口内处理了 96% 的此类事件。
At present, more than 80% of Citi’s total asset-servicing event 量 updates in real time. Furthermore, integrated ledgers offer clients comprehensive transaction visibility across all 62 of Citi’s proprietary custody markets.
The platform supplies projected balances for custody transactions, 资金 instruments, liquidity sweeps, and immediate cash updates. Additionally, Citi Token Services facilitates round-the-clock, nearly instantaneous movement of tokenized deposits in select markets.
花旗还利用人工智能来加速税务文档处理并推动其 Market Guide 服务，使税务文档处理时间减少了 70%。该机构的服务部门每年向平台开发投入超过 20 亿美元。
比特币托管进一步推动了华尔街的数字资产进程
花旗的比特币战略与华尔街公司进军数字资产的更广泛行业趋势不谋而合。纽约梅隆银行推出了 加密货币托管 services for select U.S. clients back in 2022, while Coinbase and Fidelity Digital Assets also cater to 机构投资者.
随着美国证交会（SEC）于 2025 年撤销了《员工会计公告第 121 号》（Staff Accounting Bulletin 121），传统金融机构进入比特币托管的途径变得更加清晰。该指导方针此前曾推高了银行代持客户加密货币的资本成本。
摩根士丹利也在开发用于比特币交易和托管的内部基础设施。其数字资产负责人指出，该行正在研究收益产品和借贷机会，不过尚未确立具体的时间表。
In a separate collaboration, Citi is partnering with BNY to 支撑 the New York Stock Exchange’s proposed tokenized-securities platform. Subject to regulatory approval, the initiative aims to enable blockchain-based trading featuring continuous, 24/7 settlement, with Citi and BNY facilitating fund transfers and tokenized deposits outside regular banking hours.
常见问题
花旗何时会推出比特币托管服务？
花旗计划于 2026 年晚些时候通过其 Custody+ 平台推出比特币托管服务。
谁可以使用花旗的比特币托管服务？
该服务将率先向机构客户推出。
哪项监管变化帮助银行进入了比特币托管领域？
美国证交会于 2025 年撤销了《员工会计公告第 121 号》，该公告此前导致银行存储客户加密货币资产的成本更高。
