Grayscale highlights generational shift as 45% of Gen Z and Millennials own crypto vs 18% of older investors, with $110T wealth transfer seen as major adoption tailwind

Grayscale's 2% allocation assumption is doing a lot of heavy lifting — and it's probably too conservative. If 45% of Millennials already hold crypto, their inherited portfolios aren't going to a 2% allocation; they're going to whatever those investors are already running, which survey data puts closer to 5-15% of net worth. But $39T of that $110T goes to Gen X, who sit at the same 18% adoption rate as Boomers, so nearly a third of the transfer lands with a cohort that looks nothing like the crypto-native narrative. The more interesting math is what happens to the $46T Millennial tranche specifically — even a conservative 5% reallocation there is $2.3T alone, roughly matching the entire current crypto market cap without touching Gen Z's $15T share at all.

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