#数字资产生态回暖 **The Rules of Crypto Asset Allocation for Wealth Managers (Strategies Even Ordinary Investors Can Learn)**

Have you ever wondered why wealthy people approach the crypto market so differently?

**The "Iron Law" of Position Allocation**

80% of the funds are firmly anchored in the three mainstream tracks—BTC, ETH, and SOL—this is not conservatism, but wisdom. Leading tokens carry the liquidity and consensus of the entire ecosystem, making them inherently more resilient to risks. Conversely, small-cap tokens, no matter how promising, should be avoided; things that can be wiped out by a single news event are not worth gambling on.

More importantly, a strict discipline of not exceeding 10% in any single coin. Whether you're bullish on a particular chain or project, you must control your exposure. The logic behind this is simple: use crypto assets to diversify the risks of traditional assets, rather than turning crypto itself into a new source of concentration risk.

**Why SOL Can Stand Side by Side with BTC and ETH**

Performance differences truly exist. ETH transfers take a few minutes, with fees starting at dozens of dollars; SOL transactions are almost instant, with fees measured in cents. For users who frequently move in and out of DeFi or operate NFTs, these differences are not trivial.

Deeper still is ecosystem integration. Many family offices and private banks in the Asia-Pacific region have already built digital asset custody systems on the SOL chain, enabling the assets like wealthy people's NFTs and DeFi yields to directly connect with traditional wealth management tools. This is not just about switching chains but about a complete reorganization of financial services.

Another point easily overlooked—the narrative framework's fit. BTC is "digital gold," ETH is an "智能合约平台" (smart contract platform), and SOL follows the route of "high-efficiency infrastructure + Web3 ecosystem." This aligns well with institutional investors' long-term imagination of the "underlying layer of the next-generation Internet."

**90% of Wealthy People Are Doing This**

Incorporate crypto assets into estate planning. It sounds unfamiliar, but the logic is clear: choosing management solutions that support multi-signature wallets and offline storage is equivalent to giving digital assets a "family trust." The demand for intergenerational wealth transfer is driving the entire ecosystem toward compliance and mechanization.

**Final Words**

Don't just focus on what to buy; learn how to allocate. Focus on main lines, control your positions, and think long-term—this methodology applies to everyone. Even traditional private banks are now promoting "crypto + traditional assets" combined solutions, and this trend is indeed worth taking seriously.