Wealthy Investors Are Buying Crypto Faster Than Their Advisers Can Keep Up

Roughly four in ten wealthy investors in the US, France, Germany and Switzerland say their financial adviser is too cautious about crypto.

That figure comes from a CoinShares survey of 2,230 investors across seven markets, each holding at least $500,000 in investable assets. A majority already own digital assets in every market the firm checked, from 54% in Sweden to about 70% in the US, UK, Germany and Switzerland. Crypto sits at roughly 10% of their portfolios on average.

Advisers are the bottleneck

The bottleneck is the advisory business, not the investors. A separate CoinShares poll of 261 wealth professionals in France, Germany, Italy, Switzerland and the UK found that 61% work at firms that restrict digital assets or have no clear internal policy.

What they hold, and what they want

Bitcoin still does the heavy lifting. About 80% of digital-asset investors hold it, and 89% of bitcoin holders own something else too. At least 85% of current crypto investors in five of the seven markets plan to add exposure in 2026.

Demand is not the same thing as confidence. Between 71% and 91% of holders intend to buy more this year, yet 88% admit they lack the knowledge to invest with complete confidence.

Why this matters

One detail cuts against the usual panic narrative: February's downturn made these investors more likely to invest, not less. CoinShares published the report on October 5 with research consultancy Vardaxoglou Advisory, calling it one of the largest surveys ever dedicated to digital assets.

For anyone building on-chain, this is a distribution problem wearing an education costume. The money is already allocated and already moving — it just has to route around the people paid to advise it. Right now, it is.