Xapo Bank: Trillions in Inherited Wealth Could Fuel a $200B+ Bitcoin Boom
A historic generational wealth transfer could be one of the most powerful drivers of bitcoin adoption, according to a report released Wednesday by crypto-friendly Xapo Bank.
Over the next ten years, trillions of dollars are expected to pass from baby boomers to younger heirs — a demographic significantly more inclined toward digital assets. In the U.S. alone, an estimated $10.6 trillion is projected to change hands by 2030, with comparable transfers unfolding across Europe and Asia.
Xapo analysts project that this generational shift could channel between $160 billion and $225 billion into bitcoin over the next two decades — equivalent to roughly $20 million to $28 million in new daily demand.
“Bitcoin’s finite supply, decentralized design, and inflation-hedging characteristics make it especially appealing to younger investors inheriting wealth,” the report noted.
However, inheriting crypto is far more complex than transferring traditional brokerage assets. Risks such as lost private keys, regulatory gaps, and uncertain legal frameworks remain major concerns.
To address these challenges, the Gibraltar-based bank has launched its “Bitcoin Beneficiaries” program, offering secure custody, legally recognized transfer protocols, and inheritance support tailored for crypto holders. The initiative is already being used by some of the bank’s wealthiest clients, Xapo said, highlighting the growing demand for digital asset estate planning.
“As the next generation takes the reins, safeguarding crypto inheritance is no longer a luxury — it’s a necessity,” the report concluded.
