A new report from Xapo Bank highlights a trend that could reshape global finance: the Great Wealth Transfer. Over the next decade, trillions of dollars will move from Baby Boomers to younger generations, creating one of the largest redistributions of assets in history.
The numbers are hard to ignore. In the U.S. alone, an estimated $10.6 trillion will be inherited by 2030, alongside $3.5 trillion in Europe and $2.8 trillion in Asia. Unlike previous generations, Millennials and Gen X are far more open to digital assets. Xapo estimates that $160–225 billion could flow into crypto over the next two decades, creating $20–28 million of daily buying pressure.
For younger investors, crypto isn’t just a speculative play. They are three times more likely to allocate to alternatives than their parents, often prioritizing decentralization, transparency, and innovation. Bitcoin has already proven itself as “digital gold,” delivering a 1,198% return from 2020 to 2025 versus gold’s 64%.
But this generational shift is about more than Bitcoin. Investors inheriting wealth are increasingly seeking next-generation technologies that combine security with real-world utility. That’s where projects like Kaspa stand out.
Kaspa is a fast, scalable proof-of-work blockchain designed to handle smart contracts, decentralized finance, and broader ecosystem applications. While Bitcoin provides the foundation of crypto wealth, Kaspa represents the next layer of opportunity, infrastructure capable of supporting the speed and efficiency that younger, tech-native investors expect.
Institutional players are already setting the tone. BlackRock has suggested a 1% Bitcoin allocation, while Grayscale recommends 5% for high-net-worth portfolios. If even a fraction of the Great Wealth Transfer is directed into digital assets, there will be space not only for Bitcoin but also for projects with the technical depth to build the next era of decentralized applications.
The takeaway is clear: the Great Wealth Transfer isn’t just about moving money. It’s about a shift in values, from traditional financial systems to decentralized, technology-driven ones. Bitcoin will remain the anchor, but as wealth changes hands, Kaspa and other next-generation blockchains are well-positioned to capture the momentum.
For the heirs of tomorrow, crypto won’t be an afterthought. It will be a core building block of long-term wealth.
