AFP Protección, Colombia’s second largest private pension manager, is preparing a new product that will allow certain savers to gain exposure to Bitcoin. Reports indicate that this move will be limited, targeted and linked to advisory controls rather than open to all account holders.
Bitcoin as an option for qualified savers
Reports indicate that the fund will be offered only to investors who meet a risk profile and pass a tailored advisory process. This means that access will not be automatic; this will be conditional on an assessment intended to match a person’s tolerance with a small, optional tranche of crypto.
The product is designed for long-term allocation and not for quick trading or speculation, depending on market coverage. AFP Protección executives emphasized that core retirement portfolios would remain focused on traditional assets such as bonds and stocks, and that any exposure to Bitcoin would be a narrow and complementary allocation.
💥 First of all, Valora Analitik knows that protection is preparing to launch a fund with exposure to Bitcoin from Colombia. The product is not highlighted in the observation of the short plan, but by expanding the diversification options with integral risk management and… pic.twitter.com/nAO8mbsTLi
– Valora Analitik (@ValoraAnalitik) January 22, 2026
The language used by the company presents the initiative as diversification rather than a comprehensive transfer of retirement capital. Juan David Correa, president of Protección SA, confirmed this project in an interview with local media Valora Analitik.
Colombia's skyline. Image: OECD
Manager Size and Scope
AFP Protección manages the assets of millions of clients and has a significant balance sheet. Reports put its assets under management at approximately 220 trillion Colombian pesos, or approximately US$55 billion, and note that the company serves a broad base of workers through mandatory pensions, voluntary savings plans and severance accounts. The breadth of the manager helps explain why even a small optional product gets a lot of attention.
Regulation and reporting
Reports also point to a stricter regulatory environment in Colombia. Tax and customs authorities have implemented new crypto reporting rules that align with international reporting standards.
These rules are likely to affect how crypto products are structured and how returns or transfers are reported for tax purposes. The change in rules is one of the reasons why AFP Protección defined its product as measured and compliant.
How this fits a regional trend
In Latin America, some institutional players have been experimenting with limited exposure to crypto for years. Colombia’s move follows earlier moves by one or two other local leaders and is part of a regional pattern in which established companies test small, controlled offerings before expanding access. This step will be closely monitored by foreign investors and regulators.
Reports say potential participants should expect thorough suitability checks, clear disclosures and limits on how much of a retirement portfolio can be placed in the new vehicle.
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