The Future of
Digital Wealth
Two in three affluent investors hold crypto.
Most are not building wealth with it yet. This report measures the gap — and what closes it.
Owning crypto is not the same as building wealth with it.
The CII is a proprietary 1-to-10 score from the Nexo research team. It measures not whether investors hold crypto, but how deliberately they’ve embedded it across five behavioral dimensions:
Five archetypes. One integration curve.
Five investor archetypes spanning no-exposure to deep integration — each faces distinct barriers and needs different tools to reach the next step.
Has not yet allocated. Barrier is cognitive, not operational.
Present but uncommitted. Position too small to justify its volatility.
Allocated deliberately. Tactical, not systematic. Liquidity is the constraint.
Core position, long horizon. Capital efficiency is the question.
Crypto anchors the portfolio. The position is built — the question is how hard it works.
Three markets, three stories.
The same asset class climbs a different ladder in each market — driven by necessity, conviction, or diversification.
The most polarized market — the highest share of Structurally Integrated investors and of Pre-entry investors alike.
Broad retirement awareness with smaller positions; integration plateaus in the moderate band.
Crypto entered as cash displacement; inflation and capital controls made it the most accessible store of value.
The forces pulling capital deeper into digital assets.
- ~1.2M BTC held on corporate balance sheets
- 86% of institutions hold or plan to
- BlackRock, Franklin Templeton, JPMorgan at scale
- GENIUS Act — first US federal framework for payment stablecoins
- Historically drives demand for non-sovereign assets
The Future of Digital Wealth
Download the report↓Not intended for residents of the United Kingdom.
What’s inside
- 01The Crypto Integration IndexMethodology and key findings.
- 02Five investor archetypesBarriers, behaviors, and what moves each forward.
- 03Three markets, three structural storiesArgentina, the United States, and the United Kingdom.
- 04Macro tailwindsBitcoin, RWAs, stablecoins, and geopolitics.
- 05The infrastructure already existsFor the investors who have gone furthest.
- 06Three scenarios for 2031Slow, base, and fast integration.
