2026-01-11 12:25:10

According to the latest report data, the proportion of high-net-worth individuals (with investable assets of over 6 million) in China currently allocated to crypto assets is only 2%. However, it is worth noting that one-quarter of this group plans to increase their investment in this area over the next year. Meanwhile, the willingness to allocate abroad is also clearly rising, reaching 6%.

A comparison with the global situation reveals the gap. Among overseas ultra-high-net-worth family offices, 74% have already invested in or are evaluating crypto assets, with 33% directly involved in deployment. Asian wealthy individuals have an average allocation ratio of as high as 17% in this area, far exceeding domestic levels.

In terms of investment distribution, the current allocation structure of domestic high-net-worth individuals remains relatively conservative—bank savings and wealth management products account for over 25%, insurance allocation is 19%, and these two items together make up nearly half. Stocks account for 14%, gold 8%, representing traditional allocations. However, the key point is that although the base is low, the growth willingness for crypto assets is strong, hiding significant allocation opportunities behind it.

At the institutional level, there is a greater tendency to choose compliant custody and standardized tools like ETFs, with core allocations concentrated in mainstream assets such as BTC and ETH, which are highly liquid and compliant. Innovative tracks like RWA and DeFi are also gradually becoming focal points for institutions. Ordinary investors need to stay alert; small coins often carry higher risks, so it’s better to start with mainstream assets and simultaneously implement risk hedging strategies.

BTC-0,68%

ETH-1,17%

RWA-2,61%

DEFI3,76%

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DustCollector

· 01-12 01:13

Oh no, only 2% domestically, why is the gap so big? --- So, are the big players still waiting for the right opportunity? --- BTC and ETH are indeed stable, small coins are too prone to sudden crashes. --- 25% in savings? Old habits die hard. --- A quarter increasing their positions indicates everyone sees the opportunity. --- 74% invested overseas, only 2% here... it's time to wake up. --- Is RWA really taking off, or is it just another round of hype? --- I'm really afraid of small coins; the feeling of losing everything overnight is too despairing. --- Overseas, it's already 6%, domestically we'll catch up sooner or later. --- Regulatory custody and ETFs are the way for institutions to stay steady. --- It's 17 times different; it feels like the domestic market is just beginning to react.

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LayerHopper

· 01-11 12:51

This gap is really incredible. Overseas, 74% are already布局, while we are only 2%... Wake up, everyone. --- A quarter of people want to加仓 this year, indicating that some people have indeed sniffed out opportunities. It all depends on who acts first. --- Mainstream coins earn passively, while small-cap tokens are just giving away money. Many people still haven't understood this principle. --- RWA and DeFi are indeed gaining popularity, but you need to be smart to dare to touch them. Not all innovations can make money. --- Banking products at 25%, insurance at 19%, this allocation approach is really a bit outdated. No wonder it's falling behind. --- Don't blame domestic conservatism; the key is that the regulatory environment is still being explored. Smart people are waiting for the compliance window to open. --- Institutions are copying BTC and ETH, while retail investors are still digging into various altcoins. It's a mindset issue. --- Wait, Asian billionaires have a 17% allocation ratio. Isn't Hong Kong, Macau, and Taiwan even higher? The 2% in the domestic market is holding us back.

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LayerZeroEnjoyer

· 01-11 12:48

2% is really outrageous. Are wealthy people in the country still clinging to bank savings? Wake up, everyone.

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LuckyBlindCat

· 01-11 12:48

Oh no, domestic billionaires are still clinging to bank deposits, which is really a bit outdated. A 2% increase is outrageous; overseas it's already 17%... We are truly conservative. Wait, 25% bank wealth management? That must be so boring. If it were me, I would have moved half into BTC long ago. The real opportunity window might only be in these two years. Once domestic policies loosen, you'll need to queue up to get on board. Mainstream coins are safe and sound, but those small altcoins are so tempting... Hey, I was the guy who flipped over the car in front of temptation. A quarter of the portfolio needs to be increased; this number isn't small. Large funds are afraid that once they move, it will cause a flood. Risk hedging sounds professional, but when the market arrives, how many can actually do it? This 2% in the domestic market, it’s like it hasn't even entered yet. It feels like the opportunity is just sitting there.

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BlockBargainHunter

· 01-11 12:40

2% this number is outrageous, our domestic tycoons are still too conservative --- A quarter needs to be increased, now that's a real signal --- 17% vs 2%, the gap is huge, it's time to wake up --- Institutions are all bottom-fishing BTC and ETH, retail investors are still struggling with small coins --- Regulatory custody + ETF is the right way to open up, don't listen to scam projects --- High-net-worth individuals in China are still playing with bank wealth management, the crypto circle is always a game for a few --- RWA is indeed worth paying attention to, much more reliable than DeFi --- Beware of small coins, this phrase is said every year, but people still fall for it --- 25% in the bank? The interest is eaten up by inflation --- When policies truly loosen up, these 2% will soar to at least 20%

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GasBandit

· 01-11 12:36

The 2% figure is really impressive. Domestic big investors are still holding onto bank savings products, while abroad it's already 17%. The gap is quite significant.

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MetaDreamer

· 01-11 12:30

2% really is outrageous. Are major domestic investors this cautious? Overseas it's already 17... --- Wait, a quarter of people want to add positions? Then I have to follow suit. BTC and ETH are more stable. --- Family offices are 74% invested; our gap is a bit large. --- Regulatory custody + mainstream coins, I feel this is the right approach. --- Really shouldn't touch small coins; sticking to BTC is more worry-free. --- This allocation ratio domestically still feels too conservative, but the opportunity is indeed there.

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