When you hear the phrase generational wealth, your mind probably goes to things like property, shares or superannuation. For decades, these have been the go-to wealth-building tools many Australians have relied on to grow and pass down financial value through families.

But times are changing — and so are the tools we use to build our futures.

At dcx, we’ve seen more and more Australians asking the same thing — can crypto really form part of a long-term wealth strategy? Or more directly — can you build generational wealth with crypto?

Let’s take a closer look.

What is generational wealth — and why crypto belongs in the conversation

Generational wealth isn’t just about putting money aside for retirement. It’s about creating something that outlasts you — a legacy that can be passed on to your kids, grandkids or even a cause you care deeply about. It’s patient, it’s strategic, and it’s designed to grow across decades.

Traditionally, Australians have built that kind of wealth through:

• Buying and holding property
  
• Growing their superannuation balance
  
• Investing in the share market
  
• Setting up family trusts or inheritance plans
  

These methods still matter — and they’re powerful when used well. But digital assets are now entering the conversation in a meaningful way. Crypto isn’t just for trading or short-term speculation. When used strategically, it has the potential to support long-term wealth creation on your own terms.

So, if you’ve ever asked yourself is crypto a good long-term investment, the answer really depends on how you approach it — and how you use it.

Why crypto is no longer just for traders and tech heads

Let’s clear up a common misconception — crypto isn’t just for day traders or early adopters anymore.

It’s increasingly being used by everyday Australians as a genuine long-term asset class. People are including it in their retirement planning, using it to diversify their portfolios, and thinking about how it fits into long-term estate planning.

Here’s why crypto is starting to play a real role in serious wealth strategies:

• Scarcity — Bitcoin is capped at 21 million coins. That fixed supply creates digital scarcity, similar to real estate or precious metals.
  
• Global accessibility — Crypto markets run 24/7 and don’t depend on one country or bank.
  
• Personal control — No central bank or government can seize, freeze or manipulate your holdings.
  
• Portability — Crypto assets can move easily between generations, with no reliance on traditional intermediaries.
  
• Innovation — With tokenisation and smart contracts, crypto is also building new financial rails — not just new assets.
  

For Australians, this means access to an asset class that’s portable, programmable and potentially powerful — especially when used alongside traditional wealth-building methods.

The long-term approach — think in decades, not days

Wealth that lasts isn’t built on hype or headline-chasing. It’s built with intention — and a long-term mindset.

In the crypto world, this kind of thinking is often called HODLing — a playful take on “holding” that reflects a real strategy. The idea is simple. Buy quality digital assets like Bitcoin, secure them properly, and let time, adoption and scarcity work in your favour.

Bitcoin in particular has shown remarkable staying power. Despite plenty of volatility, it has outperformed most traditional asset classes over the past ten years.

Let’s look at a simplified timeline:

• 2013 — Bitcoin surpasses $100
  
• 2017 — Reaches nearly $20,000 AUD
  
• 2020 — Institutions like PayPal and Square join the party
  
• 2021 — Peaks above $90,000 AUD
  
• 2024 — Spot ETFs approved in multiple countries
  
• 2025 — Adoption among governments and super funds begins to grow
  

Of course, crypto comes with risk — but so does any growth-oriented asset. The key is to avoid reactive decision-making and invest with a long-term horizon in mind.

Secure your assets like a vault — because custody matters

If you’re building wealth to pass on, how you store your crypto matters just as much as what you invest in.

At dcx, we offer secure, regulated custody designed to help protect your assets — whether you’re holding them for years, decades or future generations. Our infrastructure is built to meet institutional standards, with full compliance, insurance, and advanced risk protocols baked in.

Prefer to take control yourself? That’s an option too. Self-custody — where you manage your own keys through a private wallet or hardware device — is a powerful choice. It gives you full autonomy, but also comes with responsibility.

If you’re building generational wealth with crypto, you’ll want to:

• Set up secure wallets
  
• Back up recovery phrases properly
  
• Document access instructions for loved ones
  
• Consider your estate plan and legal setup
  

And remember — we’ve got resources to guide you through the process. From self-custody explainers to estate planning tips, dcx can help you store with confidence.

Education is key — and it starts with your family

One of the biggest risks to building generational wealth with crypto? A lack of understanding across your household.

If your family doesn’t know what you’ve invested in — or how to access it — then even the most carefully built portfolio can be lost.

That’s why education matters just as much as investing. It could mean:

• Teaching your kids about blockchain and wallets
  
• Showing your partner how to use your backup tools
  
• Creating a family-friendly crypto folder with simple instructions
  
• Talking openly about your long-term intentions
  

At dcx, we’re committed to making crypto education accessible to everyone. Our learning centre breaks down crypto in plain English — no jargon, no hype. Just clear, actionable content that helps your whole family feel confident and in control.

Education builds confidence — and confidence builds trust across generations. That’s what lasting wealth is really about.

Crypto in your super — yes, it’s a real option

Superannuation remains one of the most tax-effective ways to build wealth in Australia — and with a self-managed super fund (SMSF), you can include crypto too.

SMSFs give you the freedom to choose your investments, and that can include assets like Bitcoin and Ethereum — provided you meet compliance rules and structure your fund properly.

More Australians are exploring crypto SMSFs as a way to:

• Diversify beyond property and shares
  
• Add growth potential to their retirement strategy
  
• Bridge traditional super benefits with modern digital assets
  

If you’re thinking about crypto in your super, be sure to:

• Speak with a licensed financial adviser
  
• Understand your fund’s compliance obligations
  
• Choose a platform that supports secure SMSF custody
  

At dcx, we support SMSFs with tailored tools and expert-backed resources. Whether you’re just curious or ready to take action, we can help guide you through it.

What this means for you as a dcx user

If you’re already using dcx, you’ve made a conscious decision — to treat crypto seriously and explore how it can fit into your long-term plan.

Whether you’re:

• Setting up recurring buys to average in gradually
  
• Researching long-term storage and inheritance options
  
• Adding Bitcoin to your SMSF
  
• Or helping your family learn how crypto works
  

dcx is built to support your entire journey. We focus on real outcomes — not speculation. And that means providing tools, education and security that you can trust over time.

You don’t need to be an expert. You just need to get started — and stay intentional.

The future of wealth is being rewritten

Wealth-building in Australia is no longer just about bricks, bank branches and brokerage accounts. It’s also about bytes, blockchain and open-access finance.

Crypto isn’t here to replace what’s worked — it’s here to complement it. It gives you more control over how you build wealth, more freedom in how you pass it on, and more access to tools that fit your lifestyle.

And this isn’t just about the next five years — it’s about the next fifty. The legacy you build today with crypto could help support generations to come.

So whether you’re just getting started, already stacking sats, or planning a legacy for the next generation, remember — you’re not too early. And it’s definitely not too late.

At dcx, we’re proud to support Australians building wealth on their own terms — with clarity, confidence and community.

Ready to take the next step
Create your dcx account and explore how crypto can become part of your generational wealth strategy — one step at a time.