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    Home»Ethereum»Wealth Managers Need to Adjust to the Largest Transfer of Capital Ever.
    Ethereum

    Wealth Managers Need to Adjust to the Largest Transfer of Capital Ever.

    Ethan CarterBy Ethan CarterOctober 17, 2025No Comments6 Mins Read
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    Opinion by: Anthony Agoshkov, co-founder of Marvel Capital

    The world is experiencing the largest wealth transfer in modern history.

    Over the next two decades, Millennials and Gen Z are set to inherit approximately $83 trillion, with optimistic projections suggesting up to $4 trillion of that could be tokenized on-chain by 2030.

    The significant aspect is not just the amount being transferred, but how this capital will be directed.

    While family offices typically invest in real estate, trade, and energy, a new generation is seeking alternatives. They are pursuing tokenized portfolios, digital asset exposure, and involvement in financial environments designed for a digital-first era. Wealth managers are at a crossroads: diversify their strategies to include tokenization, or let the next wave of capital partner with those who do.

    Tokenization is the bridge for wealth transition

    Tokenization is central to this shift, enabling traditional assets to enter digital markets while retaining their familiar structure.

    Assets generating yield can be digitized, issued on-chain, and managed under established reporting guidelines. This accelerates capital movement—what used to take years can now happen in days. This rapid timeline is the expectation of the next generation. For beneficiaries, it makes crypto appear less as a risk and more as an enhancement—digital liquidity anchored in trusted family wealth.

    This trend is evident, particularly in the Gulf region which has become a testing ground. The Dubai International Financial Centre now oversees around $1.2 trillion in family-office assets, a figure that continues to grow as families explore the extent to which crypto-friendly frameworks can sustain their wealth. Beneath the buzz, the real narrative reveals that custody is being established, tokenized funds are being launched, and diversification is shifting onto digital platforms. Once this infrastructure is in place, capital typically does not revert.

    Simultaneously, Saudi Arabia and the UAE anticipate over 12,000 new high-net-worth individuals by 2025, attracted to hubs where tokenization is already operational. Asia is keeping pace; several overseas Chinese family offices aim to increase crypto exposure to about 5% of their portfolios, and trading volumes on Korea’s major exchanges have risen by 17% year-to-date. This activity illustrates that legal clarity serves as a competitive advantage, offering insight into the competition among global wealth centers.

    For wealth managers, the clear message is that the great wealth transfer will not jump directly from bonds to Bitcoin (BTC). Instead, it will traverse through tokenization that renders portfolios digital-first without requiring families to give up their familiar approaches. The first to construct that bridge will establish the benchmark for others.

    While the initial indicators of adaptation are apparent, the road ahead is uneven. Regulatory conflicts, inadequate infrastructure, and generational differences pose challenges. Together, these issues impede capital flow and create a significant test for wealth managers.

    Hidden hurdles that stall next-gen capital

    The transition will not be seamless. The first hurdle families will encounter is regulation.

    Consider the Gulf region: overlapping federal, emirate-level, and free-zone regulations in the UAE, along with distinct frameworks in Bahrain, Saudi Arabia, and Qatar, can pull capital in separate directions. For families with assets distributed across borders, regulations often change more rapidly than lawyers can draft new contracts.

    Outside the Gulf, the complexities only increase. Europe focuses on Markets in Crypto-Assets (MiCA), the US has the GENIUS Act, and Asia is implementing stablecoin frameworks in Hong Kong and Singapore.

    Confronted with this fragmented landscape, families pose the crucial question: Which regulatory framework is reliable, and which will endure long enough to be impactful? The outcome is similar: capital remains on the sidelines, waiting for clarity that may never materialize.

    Theoretical clarity is insufficient if the operational framework is still flawed. Many family offices continue to lack custody capabilities, adequate reporting tools, or the governance necessary to manage tokenized portfolios safely. Without that foundational structure, transactions stall in manual processes, allocations remain unpredictable, and portfolios fail to grow. Ultimately, crypto appears less as a strategy and more as an ancillary investment.

    Related: Death, divorce, and lost keys: The question of succession in tokenized property

    Moreover, generational divides complicate matters. Heirs are eager for change, viewing digital exposure as essential. Senior decision-makers often perceive it as too volatile, untested, and removed from the “real” portfolio. Every time a boardroom dismisses the idea, younger investors quietly seek alternatives. Over time, this trickle could lead to a larger exodus.

    Putting all this together presents a striking reality—regulatory complexities tearing families apart, infrastructure lagging behind, and generations operating at different paces. This situation serves as a true stress test; managers who successfully navigate these obstacles will gain a competitive advantage. The real question is, what will they construct tomorrow morning?

    Building the token-ready wealth office

    The next wave of capital will not sit idly, waiting for regulators to standardize, for generations to reconcile, or for infrastructure to develop.

    Regardless, families will keep progressing, so managers need to view regulation as a set of tools. Rather than pursuing a “perfect” license, they should build a jurisdictional framework: utilizing the Virtual Assets Regulatory Authority in Dubai for issuance, the Abu Dhabi Global Market for disputes, Bahrain for Sharia-compliant approaches, and, when necessary, incorporating Europe’s MiCA, the US’s GENIUS Act, or Hong Kong’s regulations. This strategy allows the framework to adapt flexibly as conditions change. Capital will follow suit.

    Generational divides? These can be restructured. Provide heirs with wallet-based voting rights, allow seniors to hold veto authority, and streamline decision-making through smart contract mechanisms instead of lengthy board documents. This way, younger investors’ expectations for speed are integrated while maintaining the oversight desired by older generations.

    If regulations can be shaped into a toolkit and generational gaps turned into governance solutions, then operational issues are merely challenges to overcome. Custody desks, reporting mechanisms, and token-ready governance systems are merely components to develop. Demonstrating to families that digital portfolios can maintain the same rigor as traditional ones will eliminate objections.

    Thus, despite hurdles, they are far from insurmountable. Capital always finds a path forward, even if it takes a longer route. Managers who understand this—and act accordingly—will seize the trillions currently transitioning onto digital platforms.

    Opinion by: Anthony Agoshkov, co-founder of Marvel Capital.

    This article is for general information purposes and is not intended to be and should not be taken as legal or investment advice. The views, thoughts, and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.