AFP Protección, Colombia’s second-largest private pension manager, is preparing a new product that will give some depositors a way to gain exposure to Bitcoin. The report said the measures would be limited, targeted and linked to advisory checks rather than being open to all account holders.
Bitcoin as an Option for Qualified Savers
The fund will only be available to investors who meet its risk profile and pass a customized advisory process, according to the report. This means that access is not automatic. This is conditional on assessing an individual’s tolerance for matching small, selective pieces of cryptocurrency.
This product is designed for long-term allocation rather than quick trading or speculation based on market coverage. AFP Protección’s management emphasized that its core pension portfolio will continue to focus on traditional assets such as bonds and stocks, and that any Bitcoin exposure will be a narrow, complementary allocation.
🔥 In a scoop, Valora Analitik has learned that Protección is preparing to launch a Bitcoin-exposed fund in Colombia. This product will not focus on short-term speculation, but will focus on comprehensive risk management and expanding a variety of options. pic.twitter.com/nAO8mbsTLi
— Valora Analysis (@ValoraAnalytic) January 22, 2026
The language the company uses frames the initiative as a diversification rather than a wholesale movement of retirement capital. Juan David Correa, president of Protección SA, confirmed the plan in an interview with local media outlet Valora Analitik.
Colombia's skyline. Image: OECD
Size and scope of managers
AFP Protección manages assets for millions of clients and has a sizeable balance sheet. The company’s assets reportedly amount to approximately 220 trillion Colombian pesos (about $55 billion), and the company serves a broad base of workers through mandatory pensions, voluntary savings plans and retirement accounts. The manager’s sheer size helps explain why small options products attract widespread attention.
Regulation and Reporting
The report also notes that regulations in Colombia are being tightened. Tax and customs authorities have announced new cryptocurrency reporting rules that align with international reporting standards.
These rules may affect how cryptocurrency 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 has structured its products to be measured and compliant.
How does this fit into regional trends?
Across Latin America, some institutional players have been experimenting with limited cryptocurrency exposure for years. Colombia’s move follows the initial steps of one or two other local managers and fits a regional pattern of existing companies testing small, controlled products before expanding access. This step will be closely watched by overseas investors and regulators.
Potential participants should expect thorough suitability checks, clear disclosures and limits on the amount of their retirement portfolio, according to the report.
Featured image from Pexels, chart from TradingView
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