Disclaimer: This article is for informational purposes only and should not be considered financial advice. Always conduct your own research before making investment decisions.

Over the next two decades, the U.S. is expected to see a massive generational wealth shift — around $84 trillion in assets moving primarily from Baby Boomers to Millennials and Gen Z. But this isn’t just a story about inheritance. It’s also about a fundamental shift in how wealth is being viewed, grown, and preserved. And quietly — but undeniably — crypto is becoming part of that conversation. Bitcoin and Ethereum aren’t just fringe anymore. Digital assets are edging into mainstream portfolios, especially for younger investors who are building financial strategies from the ground up — not inherited templates.

Bitcoin was born in the shadow of a crisis. It launched in 2009, in the wake of the global financial collapse, with a promise to offer something different: a decentralized currency system outside government control. What began as a software experiment has since evolved into a legitimate asset class — one some now refer to as “digital gold.” With a fixed supply of 21 million coins, Bitcoin was designed to resist inflation and offer an alternative to the vulnerabilities of fiat currency. For some, Bitcoin represents a hedge. For others, it’s a high-conviction investment — volatile, yes, but with returns that have historically outpaced traditional markets. And for a generation raised online, the logic is intuitive. These are digital-native investors, already used to managing life, identity, and value in decentralized environments.

Still, crypto isn’t a risk-free bet. It tends to thrive in "risk-on" periods — when markets are optimistic and investors are willing to bet on high-growth opportunities. But in uncertain times, it can fall fast and hard. Bitcoin has dropped more than 75% in past market cycles. Its volatility is real, and that’s part of why it still isn’t a fit for every portfolio. That said, access is getting easier, which is likely why you're at Eve. The 2024 approval of Bitcoin ETFs was a major milestone, giving both institutional and retail investors a regulated, familiar way to hold crypto through brokerage accounts. For many, this removed barriers around custody, compliance, and complexity. Ironically, it also tethered Bitcoin’s price more tightly to broader economic trends — the very thing it was created to escape.

As the $84 trillion wealth transfer approaches, crypto’s role is evolving. Right now, the majority of that wealth still lives in real estate, stocks, and bonds. But generational preferences are reshaping the mix. Bank of America research shows Millennials and Gen Z are more than twice as likely as Boomers to invest in Bitcoin. This isn’t just about returns — it’s about values. Financial independence. Access. Transparency. Control. Crypto is also riding a cultural wave. Memecoins make headlines. Social media fuels curiosity. Stories of overnight windfalls — real and exaggerated — keep digital assets in the spotlight. That cultural attention may be noisy, but it’s creating a gateway for deeper conversations about crypto’s place in long-term wealth.