Bitcoin (BTC) Price Forecast: Treasury Executive Predicts $150,000 by End of 2026
A bold call from inside the financial establishment is turning heads. Forget whispers from crypto Twitter—this price target comes straight from a treasury desk.
The Institutional Stamp
When a treasury executive talks price, Wall Street listens. This isn't a wild prediction from a permabull influencer; it's a calculated forecast rooted in institutional adoption timelines and macro liquidity cycles. The narrative is shifting from 'if' to 'when' and 'how high.'
The $150,000 Trajectory
Hitting that number by the end of 2026 implies a clear path. It factors in the next halving's supply shock, the inevitable wave of spot ETF inflows from boomers and their advisors, and Bitcoin's hardening role as a digital gold standard in a world of shaky sovereign debt—a classic case of the market pricing in the future before the suits in traditional finance have finished their morning coffee.
Provocative but Balanced Closer
The forecast cuts through the noise, bypassing short-term volatility to focus on a multi-year horizon. It signals that the smart money isn't just dipping a toe anymore; it's building a position. Of course, in finance, a prediction is just a story with numbers—until the market decides to write its own ending.TLDR
- Katherine Dowling, president of Bitcoin Standard Treasury Company, predicts Bitcoin will reach $150,000 by the end of 2026, representing a 70% increase from current levels around $90,180.
- Three main factors support this forecast: improved regulatory clarity including the GENIUS Act for stablecoins and new OCC guidance allowing banks to offer crypto services, quantitative easing with the Federal Reserve cutting rates three times in 2025, and continued institutional investment through Bitcoin ETFs.
- Bank of America now permits its 15,000+ financial advisers to recommend Bitcoin ETFs to clients with allocations between 1-4%, potentially channeling portions of the bank’s $3.5 trillion in client assets toward Bitcoin.
- Bitcoin has dropped over 25% from its October all-time highs, currently trading about 28% below its peak price.
- The Office of the Comptroller of the Currency issued guidance permitting national banks to buy and sell cryptocurrencies on behalf of customers, removing barriers for traditional financial institutions.
Katherine Dowling has made a bullish prediction for Bitcoin’s future price trajectory. The president of Bitcoin Standard Treasury Company forecasts Bitcoin will reach $150,000 by the end of 2026.
This prediction comes while Bitcoin trades at approximately $90,180. The cryptocurrency has fallen over 25% from its October all-time highs. Bitcoin is currently down about 0.59% in the last 24 hours.
Dowling shared her outlook in an interview with DL News. She cited three main factors supporting her forecast. These include regulatory improvements, monetary policy changes, and growing institutional adoption.
$BTC bulls turning up the heat! According to the president of a bitcoin treasury firm, BTC could surge to $150,000 by the end of 2026 — driven by clearer regulation, potential Fed rate cuts, and growing institutional adoption.#Bitcoin #Crypto #BTC pic.twitter.com/kO8r8F7Txy
— LEXY BERRY# (@akandeolamilek7) December 12, 2025
The regulatory environment has shifted in recent months. President TRUMP signed the GENIUS Act into law. This legislation establishes a regulatory framework for stablecoins.
The Office of the Comptroller of the Currency issued new guidance. National banks can now offer crypto brokerage services to their customers. This removes a previous barrier for traditional financial institutions entering the crypto space.
Monetary Policy Changes
The Federal Reserve has cut interest rates three times in 2025. Lower interest rates historically benefit risk assets like Bitcoin. The Fed also formally ended quantitative tightening two weeks before its latest rate cut.
Brian Huang serves as CEO of investment platform Glider. He agrees with Dowling’s assessment of the macro environment. Huang told DL News that lower interest rates should help Bitcoin and ETH ETFs.
Huang also predicts Bitcoin will reach $150,000 before the end of 2026. His forecast aligns with Dowling’s timeline.
Bank of America Opens Door to Bitcoin
Bank of America recently changed its policy on Bitcoin recommendations. The bank now permits its 15,000+ financial advisers to recommend Bitcoin ETFs to clients.
Advisers can suggest allocations between 1% and 4% in Bitcoin ETFs. Bank of America manages $3.5 trillion in client assets. This policy change could direct substantial capital toward Bitcoin.
Dowling emphasized the importance of this development. She noted that major banks are now actively recommending Bitcoin exposure. These institutions are also bringing Bitcoin products onto their platforms.
Bitcoin ETFs attracted billions of dollars in 2025. Dowling expects this trend to continue and accelerate. More platforms are gaining access to offer these products.
The Bitcoin Standard Treasury Company focuses on holding Bitcoin on corporate balance sheets. These companies allow investors to gain Bitcoin exposure through traditional stock exchanges.
Dowling remains confident despite recent price weakness. She described having a positive outlook on Bitcoin for 2026. Her view accounts for recent risk-off sentiment and the price decline.
The $150,000 price target represents a 70% increase from current levels. Bitcoin currently trades about 28% below its all-time high. The cryptocurrency reached its peak price in October before the recent pullback.
