Bitcoin ETF · Bitcoin · CryptoSlate
Schwab launched its own spot trading at 75 basis points
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JPMorgan Private Bank cited the wealth transfer as a driver of future Bitcoin adoption in February 2026 client materials, alongside the $62 billion in net inflows that U.S. spot Bitcoin ETFs had attracted at the time.
Key facts
- Grayscale head of research Zach Pandl calculated that Americans aged 60 and older hold nearly $110 trillion in net worth, and that shifting 2% of transferred assets toward digital assets
- Baby Boomers and older generations will account for nearly $100 trillion of the total, or 81% of all transfers through 2048
- Motley Fool Money's 2026 investor survey measured current ownership at 30% among millennials, 16% among Gen X, and 7% among Baby Boomers
- Approximately $54 trillion will first move horizontally, passing between spouses before it ever reaches children or grandchildren, and nearly $40 trillion of those spousal transfers will go
Summary
01 Cerulli projects $124 trillion in US household wealth will change hands by 2048, mostly from Baby Boomers and older generations. 02 Younger heirs own crypto at far higher rates than older investors, giving the transfer potential to reshape long-term digital asset demand. 03 The shift is gradual and uneven, with wealth eroding, passing first to spouses, and heirs often diversifying instead of moving quickly into crypto. The next leg of crypto adoption may already be taking shape in estate planning offices instead of on trading floors or in congressional hearing rooms. Over the next two decades, Cerulli Associates projects that $124 trillion in US household wealth will change hands, the largest transfer of assets in recorded history.