$83 Trillion Baby Boomer Fortune May Flow Into Crypto, Says Galaxy

Galaxy Digital’s Zac Prince says demographic shifts and wealth transfers might funnel huge capital into crypto markets over the subsequent 20 years as youthful generations inherit from Baby Boomers.

Speaking on The Milk Road Show, Prince pointed to demographic tendencies as a serious tailwind for crypto adoption.

“The older individuals are going to go away and go the cash right down to youthful folks,” he defined, including that youthful traders present markedly completely different preferences than their mother and father’ era.

Prince famous these traders are “far more aware of platforms just like the one which now we have at GalaxyOne, the place it’s type of an app first. Multiple sorts of merchandise in a single place, actually intuitive person interface versus the standard, it’s important to decide up a cellphone and name your dealer.“

Massive Wealth Transfer Looms

UBS Global Wealth Report knowledge reveals $83 trillion will switch between generations over the subsequent 20-25 years, with $9 trillion transferring between spouses and $74 trillion passing to heirs.

The United States alone accounts for over $29 trillion of this switch, adopted by Brazil at $9 trillion and mainland China at $5.6 trillion.

Prince emphasised that wealth switch patterns don’t strictly correlate with inhabitants measurement or GDP.

Italy, regardless of having half Japan’s inhabitants and 60% of its GDP, is projected to see larger inter-generational wealth transfers because of larger financial savings charges and residential possession amongst aged residents.

GalaxyOne is positioning itself to capitalize on this shift by focusing on mass-affluent traders (roughly 20% of US households) that meet the $200,000 annual earnings or $1 million in web price threshold.

“We assume that that viewers has some, you understand, distinctive wants that aren’t nicely suited by the Robin Hoods and Coinbases of the world,” Prince acknowledged, highlighting white-glove customer support and curated product choices as key differentiators.

Retail Sentiment Diverges From Institutions

While Prince acknowledged bearish retail sentiment at year-end 2024, with Bitcoin down roughly 10% regardless of robust efficiency from gold, silver, and shares, he sees this as probably bullish.

“Anytime you begin to see that sentiment, the sample matching that I’ve seen in my years within the trade is that it might be the start of a sign that it’s about to tear,” he stated.

The sentiment hole between retail and institutional traders has widened significantly.

FINRA Foundation data exhibits crypto consideration amongst US traders dropped from 33% to 26% between 2021 and 2024, with 66% now viewing digital belongings as extraordinarily or very dangerous, up from 58%.

US crypto buy curiosity falls to 26% from 33% in 2021 as investor danger urge for food declines sharply, FINRA research exhibits.#US #Cryptohttps://t.co/4mTMJ49hLC

— Cryptonews.com (@cryptonews) December 5, 2025

Meanwhile, institutional adoption has accelerated, with Morgan Stanley launching Bitcoin ETFs and conventional monetary platforms increasing crypto entry.

Prince attributed this divergence to gradual distribution channel openings.

“Lots of these channels are nonetheless closed. They transfer slowly. The ETFs simply got here round final yr. Some warehouses and different corporations have a one-year lockdown on new ETFs with the ability to be made out there to their purchasers,” he defined.

He expects institutional merchandise to proceed proliferating all through 2025.

Young Investors Drive Adoption

Coinbase research discovered that 45% of youthful US traders already personal crypto, in comparison with simply 18% of older generations, with youthful cohorts allocating 25% of their portfolios to non-traditional belongings (triple the 8% allocation amongst older traders).

Four in 5 youthful adults consider crypto will play a considerably bigger function in future monetary techniques.

South Korean knowledge mirrors these tendencies, with over half of citizens aged 20-59 having crypto trading experience and 27% presently holding digital belongings.

Over 10,000 Koreans maintain $750K+ in crypto, led by younger traders, regardless of being the smallest group.#Korean #Cryptohttps://t.co/uA561EaY8O

— Cryptonews.com (@cryptonews) August 25, 2025

Current holders maintain a median of 13 million gained ($9,547) in cryptocurrency, representing 14% of their complete monetary belongings.

GalaxyOne is launching merchandise focusing on this demographic shift, together with company treasury options, crypto portfolio traces of credit score, and staking companies.

Prince revealed plans to mix crypto with conventional asset courses “in a manner that I don’t assume different platforms have performed earlier than” within the again half of 2025.

Looking ahead, Prince concluded that “stablecoin adoption continues to extend quickly” and that it’d facilitate the biggest wealth switch in historical past, intersecting with a era already dedicated to digital belongings.

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