Bitcoin Stands to Gain $200 Billion From Coming Wealth Transfer, According to Xapo

Generational Wealth Shift Could Inject Over $200B Into Bitcoin: Xapo Bank

The ongoing transfer of wealth from baby boomers to younger generations could become one of the largest catalysts for bitcoin adoption to date, according to a new report from crypto-friendly Xapo Bank.

Over the next decade, trillions of dollars are expected to pass from older generations to heirs who are significantly more inclined toward digital assets. In the U.S. alone, an estimated $10.6 trillion will change hands by 2030, with additional trillions expected across Europe and Asia.

“Unlike their parents, this new generation views bitcoin not just as an investment, but as a core component of wealth,” the report said.

Xapo estimates that between $160 billion and $225 billion could flow into bitcoin over the next 20 years due to this generational transition — translating into an estimated $20 million to $28 million in additional daily demand.

The report highlights bitcoin’s scarcity, decentralization, and appeal as a hedge against inflation as key factors driving this shift. However, passing down crypto assets presents unique hurdles, including the risk of lost keys, lack of regulation on some exchanges, and inconsistent legal treatment across jurisdictions.

To address this, Xapo has launched its “Bitcoin Beneficiaries” program — offering secure custody, legal clarity, and inheritance mechanisms designed to protect digital wealth. The bank noted that some of its wealthiest clients have already adopted the service.

“For bitcoin holders, preparing for inheritance is no longer optional — it’s essential to preserving digital legacies,” the bank concluded.