Gate Research Institute: A New Definition of Private Wealth in the Digital Age: The Evolution of Encryption PWM

Key Points Summary

• Encrypted private wealth management is shifting from the traditional “human + bank” closed relationship model to an “open digital ecosystem” system. The growth of global private wealth and high-net-worth individuals is driving the concentration of leading players and the transition to online services, with the Asia-Pacific market leading in growth.

• The North American and European markets are mature and stable, while the Asia-Pacific region is experiencing high growth; in the Middle East and Latin America, family offices are predominant. The demands of high-net-worth and ultra-high-net-worth clients are shifting from “yield-oriented” to “safety, privacy, sustainability, and cross-border compliance,” forming a new paradigm where offline advisors and algorithm-driven approaches run parallel.

• The asset spectrum extends from traditional assets to cryptocurrencies, stablecoins, DeFi, NFTs, and RWAs (real-world assets), relying on “on-chain transparency + programmability” to achieve full-process digitization from custody, advisory to strategy execution and governance. The core values lie in security and transparency, diversified returns, privacy protection, and efficient cross-border transactions.

• The encrypted PWM product system is divided from bottom to top as follows: ① Basic Custody (Cold/Multisig/MPC) → ② Yield Management (Staking, Liquidity Mining, Yield Aggregation) → ③ Structured Strategies (Neutral Strategies, Stablecoin Yield, RWA) → ④ Family Governance (On-chain Trust, Heritage, Privacy and Taxation).
• With regulatory clarity gradually emerging, licensed institutions will play a central role in crypto wealth management. In a neutral scenario, the market size is expected to reach approximately $120 billion by 2028; in an optimistic scenario, it is expected to grow to $200–320 billion.

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