Stratiphy, the UK-based fintech platform, relaunched a tax-free pathway for retail investors to access cryptocurrency exchange-traded notes (ETNs), filling a regulatory gap that had left those seeking tax-efficient exposure to crypto assets without any practical options.
In October 2025, the Financial Conduct Authority lifted its four-year ban on retail access to crypto ETNs linked to assets such as Bitcoin and Ethereum. Initially, these products could be included in standard individual savings accounts (stocks and shares ISAs), offering tax-free exposure.
However, at the start of the new tax year, HM Revenue & Customs determined that new purchases of crypto ETNs no longer qualified for those ISAs, restricting their eligibility to Innovative Finance ISAs — a niche scheme typically used for peer-to-peer lending that no platform offered alongside crypto ETNs. The result was a dead end for investors.
Stratiphy now resolves that problem by offering three ETNs issued by 21Shares, covering Bitcoin, Ethereum, and a mixed Bitcoin-and-gold product, according to the Financial Times.
It is worth noting that other platforms besides Stratiphy, such as Interactive Investor, Freetrade, and Revolut already offer crypto ETNs, but none of them provides Innovative Finance ISAs.
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