2026-01-08 16:33:25

The baton of wealth transfer is changing hands. According to observations from Galaxy Digital executives, in the wave of wealth transfer over the next few decades, the younger generation will become the main force of this transformation, leveraging their innate digital DNA and their understanding of the crypto ecosystem.

This is not just a concept—it's a story unfolding in the market. Traditional assets are controlled by the previous generation, while the new generation's view of wealth has been rewritten. Bitcoin, Ethereum, and the entire blockchain ecosystem are becoming asset allocation options for the post-90s and post-00s. Imagine grandpa's passbook turning into granddaughter's crypto wallet—this transformation is happening.

Where are the market opportunities? Institutions have already sensed the potential of the "inheritance economy" and are starting to position themselves early. DeFi protocols have become hotbeds for young users—tokens like DOT, AVAX, and ATOM, due to their ability to generate "earn while playing" income models, have attracted a large number of newcomers. The SOL ecosystem, with its high speed and low cost, has attracted over ten million wallet users, significantly lowering the entry barrier for digital assets through various wallet infrastructure developments.

But stay calm—there are also real constraints to this story. Wealth inheritance is a long process; don’t expect everyone to be on-chain tomorrow. Policy uncertainties always exist, and regulatory attitudes may shift faster than you think (remember when auntie was speculating in gold? This time, authorities might act even more swiftly). Additionally, generational differences are very real—not every heir understands blockchain, and some new wealth might prefer to invest in traditional luxury goods and real estate.

The core logic is clear: intergenerational transfer is indeed happening, and the appeal of digital assets is rising. But before entering, you must keep a sharp eye on the risks.

BTC0.39%

ETH0.99%

DOT-1.38%

AVAX-0.36%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

16 Likes

Reward
16
8
Repost
Share

Comment

0/400

gas_fee_trauma

· 01-10 16:24

Hmm... intergenerational transfer is real, but I'm really skeptical about the whole idea of everyone going on-chain. Talking about Bitcoin again, the institutions probably have already laid out their plans. That data from the millions of wallets in the SOL ecosystem... let's just believe it for now, since it's all estimates. The most painful part is the policy aspect; a single statement can bring you back to reality. I just want to see what it will look like when the post-90s take over; it's too early to draw conclusions now.

View OriginalReply0

CryptoFortuneTeller

· 01-10 12:23

Listen, this is just storytelling. The grandma's gold trading regulations can be applied to the crypto world in minutes. Can DOT, AVAX, and ATOM really be enjoyed while earning? Or are they just scamming newbies again? 全民上链? Wake up, most people still don't even understand their own wallet addresses. Grandpa's passbook turned into granddaughter's wallet. It sounds nice, but the problem is Grandpa needs to have coins first. SOL ecosystem with millions of wallets sounds impressive, but the real profit makers are still just a small group of people. No matter how wide your eyes are, there are always unseen risks. This policy turning point will be even harsher than the last one.

View OriginalReply0

AirdropHunterXM

· 01-09 17:12

Grandpa's passbook turns into granddaughter's wallet—sounds nice, but the regulator's strike comes faster than you can react.

View OriginalReply0

DataPickledFish

· 01-08 17:03

Intergenerational transfer sounds beautiful, but regulators will make you dumbfounded once they step in Nice words, but once policies change, everyone will have to run away Grandpa's passbook turning into an encrypted wallet? Dream on, they simply don't understand it Earning while playing sounds great, but losses come just as fast If this wave really takes off, it would have been on-chain nationwide long ago. Now they're still just storytelling Stay calm, don’t get caught by the "inheritance economy" and get chopped up It's not wrong for institutions to be laying out plans, but when the little guys get in, they just become cannon fodder Once regulators step in, all DeFi and SOL ecosystems will have to shut down Wealth transfer is a fact, but not everyone can catch it Don't be too optimistic; this time, the risks are much greater than when trading gold

View OriginalReply0

GasFeeSobber

· 01-08 17:03

This "Inheritor Economy" rhetoric sounds great, but how many truly dare to go all in? A single policy document can cause everything to collapse Are there really that many 90s passbooks? Or have they just been wiped out by mortgage loans? Why is the SOL ecosystem so popular, yet I still have unrealized losses in my wallet? LOL The lesson from that auntie is still fresh in my mind; this time, regulation will be even harsher

View OriginalReply0

GhostInTheChain

· 01-08 16:44

Inheritance economy sounds good, but do people really dare to spend money... Once regulations come, everything becomes useless, just watching. Wait, are there really that many post-90s holding coins? I haven't seen any around me. SOL is so fast, be careful of getting liquidated. Every day I hear people say "earn while playing," but I haven't seen anyone actually make money. Grandpa's passbook turns into granddaughter’s wallet? Let's get past the regulatory hurdle first. DOT, AVAX, ATOM... they all sound the same, is there really a difference? This wave of institutional deployment, in the end, it's still us retail investors who get hurt. Wealth transfer? I think it's wealth evaporation.

View OriginalReply0

AirdropworkerZhang

· 01-08 16:38

Sounds great, but we've all seen that grandma routine before... --- The SOL ecosystem is good, but I'm just afraid that I'll wake up one day and get hit with a dump again. --- Wealth inheritance won't happen that quickly; if regulators step in, they could change the game rules in minutes. --- Intergenerational transfer is indeed happening, but the key is who can survive until that day. --- Earning while playing sounds great, but most people end up losing while playing. --- The entry barrier has lowered, but the speed of losing money might be even faster... --- I think this logic is a bit too idealistic; reality will be more painful. --- I just want to know if those coins can really preserve value until the day of inheritance. --- 全民上链？Haha, let's wait for regulatory authorities' response first. --- Institutional layout is correct, but retail investors following the trend are basically just giving away money.

View OriginalReply0

ETH_Maxi_Taxi

· 01-08 16:37

Sounds good, but can it really go so smoothly? Once regulation steps in, everything resets to zero. --- Grandpa's passbook turned into a crypto wallet, which is a bit difficult right now, need to wait a bit longer. --- The SOL ecosystem has attracted millions of wallets, but the problem is most people don't even know how to use them. --- The "earn while playing" model sounds good, but only a few people can actually make money from it. --- Intergenerational transfer sounds nice, but if policies change, everything becomes useless. I've seen this trick too many times. --- DOT, AVAX, ATOM are indeed good, but don't dream too big. Ordinary people coming in are still likely to get cut. --- Wealth inheritance is a long process, and this is true. Without ten or eight years, don't expect to see real big changes. --- The potential of the heir economy exists, but we must wait for regulatory authorities to give the go-ahead; otherwise, everything is just an illusion.

View OriginalReply0