The biggest threat to wealth managers isn’t crypto.\nIt’s math.\n\nThe High-Net-Worth Great Wealth Transfer is accelerating, and the old guard is staring at a terminal demographic cliff.\n\nBy 2026, peak transfer forces firms to serve Millennial and Gen Z heirs who expect digital-first, always-on advisory models. \n\nUBS, Blackrock and Fidelity aren’t building crypto to be early. It’s building it to avoid irrelevance.\n\nThese heirs already live on digital ledgers.\n\nIf you don’t offer one, you’re volunteering to be disintermediated.