Emre Yumlu 
Crypto-friendly Xapo Bank reports that the “great wealth transfer” is already underway, potentially sparking one of the largest waves of crypto adoption in history.
Trillions of Dollars Changing Hands
Over the next decade, trillions of dollars will move from the baby boomer generation to younger heirs. In the U.S. alone, an estimated $10.6 trillion will be transferred by 2030, with even more expected in Europe and Asia.
Xapo Bank notes that this new generation has a much stronger interest in digital assets than their parents, paving the way for bitcoin to become a central part of inherited wealth.
Potential $200 Billion Inflow Into Bitcoin
Bank analysts estimate that this generational transfer could funnel between $160 billion and $225 billion into Bitcoin over the next 20 years. This would create an additional $20 million to $28 million in daily demand.
The report emphasizes Bitcoin’s limited supply, decentralized structure, and potential as an inflation hedge, making it a compelling store of value for the next generation.
Crypto Inheritance: Challenges and Solutions
Inheriting cryptocurrency is far more complex than taking over a traditional brokerage account. Lost private keys, unregulated exchanges, and inconsistent legal frameworks pose significant risks.
To address these challenges, Gibraltar-based Xapo Bank has launched its “Bitcoin Beneficiaries” program, offering secure custody, legally recognized transfer methods, and regulatory clarity to ensure smooth inheritance for heirs.
The bank reports that its wealthiest clients are already using the service, demonstrating that sophisticated investors view digital inheritance planning as essential for preserving their crypto legacies.
Bitcoin Strategy for the Next Generation
According to Xapo, inheritance planning for Bitcoin holders is no longer optional—it is a necessity. Without proper planning, investors risk losing the ability to pass on their digital wealth to future generations.
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