‘Great Wealth Transfer’ May Channel $200B+ Into Bitcoin, Says Xapo Bank

Trillions in Generational Wealth Transfer Could Drive Massive Bitcoin Inflows, Says Xapo Bank

A wave of generational wealth transfer could unlock a new era of bitcoin adoption, with over $200 billion potentially flowing into the asset over the coming decades, according to a report released Wednesday by crypto-friendly Xapo Bank.

As trillions of dollars shift from baby boomers to younger heirs over the next ten years, bitcoin stands to benefit from growing interest among younger generations in digital assets. In the U.S. alone, $10.6 trillion is expected to change hands by 2030, with additional transfers projected across Europe and Asia.

Xapo analysts project that between $160 billion and $225 billion could move into bitcoin as a direct result of this demographic shift — equivalent to $20 million to $28 million in new daily demand. The report notes that bitcoin’s fixed supply, decentralized structure, and perceived resilience to inflation make it an attractive store of value for the next generation of investors.

Still, passing on bitcoin wealth comes with unique challenges. Private key management, risks associated with unregulated exchanges, and fragmented legal frameworks complicate crypto inheritance.

To address these issues, Xapo has introduced its “Bitcoin Beneficiaries” program — a dedicated inheritance solution offering secure custody, regulatory clarity, and legally recognized transfer mechanisms for digital assets.

According to the Gibraltar-based bank, ultra-high-net-worth clients have already begun using the service, highlighting the growing importance of estate planning in crypto portfolios.

“Inheritance planning is no longer optional for bitcoin holders — it’s a necessary step to preserve wealth across generations,” the report stated.