cmETH is a liquid restaking token that represents staked ETH within Mantle Network’s ecosystem. Learn more about how you can mint cmETH on Bybit here.

Liquid staking has become an essential tool for ETH holders looking to earn passive income without sacrificing liquidity. But now, with 

 solutions like cmETH, users can go beyond traditional rewards by earning layered yields through protocols such as EigenLayer.

In this guide, we’ll walk through everything you need to know about cmETH, how it compares with mETH, what rewards to expect and how to mint it easily on Bybit’s On-Chain Earn platform — especially during the 30-day, limited-time bonus event running from Jun 10, 2025 through Jul 10, 2025 in partnership with Mantle Network and EigenLayer.

EigenLayer is a restaking protocol built on Ethereum that allows users to reuse their staked ETH (or liquid staking tokens, such as mETH, to secure additional networks and decentralized services called Actively Validated Services (AVS).

At its core, EigenLayer allows users to “restake” ETH or liquid staking tokens (LSTs) like mETH that are already staked for Ethereum's 

 (PoS) consensus. Instead of just earning base staking rewards, users can opt in to restake those same assets to support other decentralized services, including 

This creates a powerful shared security model, whereby multiple protocols can leverage Ethereum’s validator set without having to bootstrap their own trust networks from scratch. For users, it means earning additional incentives (often in the form of native tokens like EIGEN) — on top of their regular staking rewards — simply by opting in to restake.

EigenLayer is quickly becoming a foundational layer for Ethereum’s modular future, attracting widespread attention from both developers and stakers. As more AVS launch on EigenLayer, the opportunities for restakers continue to grow.

Following is a simple breakdown of how EigenLayer works.

Users who have staked ETH (either directly or via LSTs) can opt in to restake their assets on EigenLayer. This means they're extending the security of their stake to other networks, not just Ethereum.

AVS are services that tap into EigenLayer’s pooled security. These can include oracle networks, cross-chain bridges, data availability layers, rollup sequencers and more. Restakers delegate their stakes to operators running these services, thereby helping to secure operations.

Because restakers are now providing security to multiple protocols, misbehavior (e.g., downtime or dishonest validation) on any AVS can trigger slashing of restaked assets. This ensures accountability and maintains security across all layers.

When you mint cmETH on Bybit, your ETH or mETH is automatically routed through Mantle Network and restaked on EigenLayer. This gives you exposure to EigenLayer’s AVS ecosystem and allows you to earn dual rewards (Ethereum staking yield and bonus AVS incentives) in a single step, without needing to restake manually.

 is a liquid restaking token that represents staked ETH within the 

 ecosystem, enabling holders to earn rewards from 

 staking and additional restaking protocols, such as 

. It’s designed to provide users with a seamless staking experience, and combines the benefits of Ethereum's 

 (PoS) rewards with additional yields from restaking strategies.

While both cmETH and mETH are integral to the Mantle Network staking ecosystem, they serve distinct purposes:

In essence, cmETH offers a multi-layered yield approach, combining base staking rewards with additional incentives from restaking activities.

Staking cmETH presents several advantages for users seeking to maximize their ETH holdings:

During the limited-time bonus event running from Jun 10, 2025 through Jul 10, 2025, minting cmETH on Bybit will entitle users to:

Please note that only new deposits and staking actions made during the event window are eligible for bonus rewards. A 24-hour minimum holding snapshot is used to calculate eligibility. In addition, bonus rewards are only available for cmETH minted during the event window, and they require a 41-day holding period in order to qualify for full distribution.

How to earn additional interest rate bonus

When you mint cmETH during the event period (Jun 10, 2025 through Jul 10, 2025), the bonus interest is automatically applied. The total APR for cmETH is 3.43%, which includes both the base Ethereum staking yield and additional bonus yield from EigenLayer in the form of EIGEN or partner tokens. There’s no need to claim anything manually. Once your ETH or mETH is staked, your rewards start accumulating immediately.

Please note that the interest will stop accumulating once you initiate redemption, and your rewards will be finalized based on your average holdings over the 41-day lock-in period. These rewards will be unlocked and distributed automatically on the 41st day of the event.

While the event primarily focuses on staking bonuses, Bybit is also offering an additional referral perk when you send this article to a friend and invite them to participate in this limited-time event with your referral link. Upon successful referral, you’ll receive an additional airdrop of EIGEN or USDT, which will be unlocked on the 41st day of the event.

There are two ways you can mint cmETH on Bybit: either through ETH or mETH. To get started, you’ll first need to create a Bybit account, then fund it with cryptocurrency and obtain ETH or mETH, which can be purchased on the Bybit Spot trading platform. Once you have ETH or mETH in your Bybit account, you may proceed with the following steps.

: On the Bybit homepage, hover your cursor over the 

button. Alternatively, you can also enter 

in the search field to locate the token. 

: Input the amount of ETH you would like to stake, or the amount of cmETH you would like to receive. Confirm the details and click on 

Once you’ve successfully staked ETH for cmETH, you may head to the 

: Input the amount of cmETH you would like to exchange, or the ETH you would like to receive. Confirm the details and click on 

cmETH earns from Ethereum staking rewards via mETH, and additional yield through restaking on EigenLayer. During the event, users also receive bonus tokens, such as EIGEN and OWN.

You can redeem cmETH through the Bybit On-Chain Earn platform. Redemption takes T+9 days, after which your ETH or mETH will be returned to your account. However, if you redeem before the 41-day lock-in period ends, you will forfeit the pending bonus rewards (e.g., EIGEN airdrops).

Yes. Minting cmETH on Bybit is secure. The platform integrates restaking protocols like EigenLayer in a fully custodial environment, meaning Bybit handles the back-end staking and restaking processes on your behalf. Users retain full visibility over their funds, with real-time reward tracking, secure redemption and no need for manual delegation or validator setup.

The interest rate bonus is automatically applied upon successful minting of cmETH. Please note that the interest will no longer accumulate upon cmETH redemption.

Mint cmETH during the event period, or refer a friend using your link. Airdrops (EIGEN or USDT) will unlock on day 41 of the event.

Minting cmETH on Bybit is more than just another staking opportunity — it’s a gateway into the future of ETH restaking. With the Mantle x EigenLayer x Bybit collaboration, users receive access to dual rewards, event-exclusive bonuses and a seamless interface to track and grow their crypto holdings. 

Beginner

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How to mint cmETH on Bybit

Plasma has officially partnered with Aave, the largest DeFi liquidity protocol, to expand access to lending and borrowing for underserved users and institutions worldwide. 

The S&P 500 dipped 0.27% as investors awaited producer inflation data and weighed easing rate pressure and a US-China trade deal. Gold climbed to $3,363 as cooling US inflation raised Fed rate cut hopes, while weak dollar and US-China trade uncertainty supported prices. The Coindesk Indices, which tracks the broader crypto market, fell 2.01%, with Bitcoin down 0.71% and Ether up 1.49%, in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today’s top performer is KAIA, up 5.2% after Kaia announced plans for a won-pegged stablecoin amid rising crypto momentum in South Korea.

Kaia (KAIA), launched in August 2024, is a Layer 1 blockchain formed from the merger of Klaytn and Finschia, backed by Kakao and LINE. With over 280M users, it aims to lead Asia’s web3 push, offering fast, low-cost, EVM-compatible infrastructure for RWAs, DeFi, and gaming. Kaia plans to 

 a won-pegged stablecoin following President Lee’s crypto-friendly inauguration, boosting optimism in South Korea’s digital asset space. Backed by Kakao, Kaia’s move aligns with legislative support for private stablecoin innovation, while payment stocks rallied in anticipation.

Check out the latest prices, charts, and data of 

, the largest DeFi liquidity protocol, to expand access to lending and borrowing for underserved users and institutions worldwide. The collaboration includes support from key players like Lemiscate, Stani Kulechov, Avara, Aave Chan, and Horizon. Aave will be a day-one launch partner on Plasma, powering permissionless financial services and enabling users to earn real yield through USD₮ infrastructure. This partnership aims to bring foundational financial tools to billions without relying on traditional banks.

Yesterday, BTC spot ETFs saw $164.6 million in net inflows, all from non-GBTC funds, while GBTC recorded no activity.

, and to qualify, users must use all their earned points to vote on memes—unvoted points won’t count toward rewards. The airdrop tab is already visible on their site, so now is the time to act. Earn points through daily check-ins, spins, and tasks, then vote with all of them on the “Meme” page to ensure eligibility before the drop goes live.

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Plasma partners with Aave to expand global access to DeFi lending and yield

ao Computer brings hyper-parallel, decentralized computing to Arweave, transforming it from storage-only to a scalable, full-stack Web3 platform.

 (AR) is among the crypto industry's oldest and most prominent distributed storage projects. Offering a unique decentralized storage model called the blockweave, the project has been at the forefront of driving the crypto revolution over the past seven years. In early 2025, the Arweave project launched the mainnet of its decentralized computing system — ao Computer (AO). This signified the beginning of a new era for the veteran of 

 storage. With the launch of ao Computer, the project adds highly scalable computational capacity to its well-regarded storage platform. 

ao Computer features a hyper parallel processing function that allows it to handle numerous client requests while independent execution paths are running simultaneously. This creates opportunities for scalability at unprecedented levels. Using a unique system based on messages that go through processing by three key process units, ao Computer features an architectural design that’s no longer restricted by throughput capacity. In addition, messages are stored permanently and immutably on Arweave's famed storage platform. In essence, ao Computer has turned Arweave from a massive decentralized hard drive into a full-fledged processing environment. 

In this article, we'll examine this innovative project that has the potential to redefine the way businesses and individuals use Arweave.

 (AO) is a decentralized, trustless computing system based on the Arweave distributed storage platform that uses hyper parallel processing to achieve unprecedented scalability. 

The system processes all execution requests and data using standardized messages that interact with processes on the platform, creating an interconnected environment. The most critical innovation that ao Computer offers is hyper parallel processing, whereby all processes and interactions are handled independently and concurrently. Many software developers would call this mode of processing multi-threaded.

Using trust-minimized, decentralized parallel processing, ao Computer creates a computing environment in which scalability and capacity are no longer restrained. The messages that the protocol handles are stored on Arweave, which essentially acts as an immutable hard drive for the ao Computer’s processing engine.

Arweave itself is well-known in the blockchain industry for its unique and highly efficient distributed storage solution. All the data on Arweave is immutably stored in a decentralized fashion, with the network nodes incentivized to provide permanent storage. Unlike standard 

, in which each block is linked to the previous one, Arweave uses a linkage model called 

, which links each block to the previous one as well as to a random recall block to enable 

 (PoA) — a consensus mechanism that requires miners to prove they can access old data. In this way, the blockweave model makes decentralized data storage more affordable, scalable and secure.

Before the introduction of ao Computer, Arweave had been used mostly for passive storage, albeit cheap, permanent and highly secure. The arrival of ao Computer adds significant computational capacity to Arweave, potentially turning it into a hotspot for 

While Arweave is the overall platform’s hard drive, ao Computer is its operating system. By integrating ao Computer, Arweave essentially becomes a full-stack decentralized computing environment, in certain ways similar to a platform like the 

In fact, its interconnected web of processes and messages makes ao Computer a unified hyper-parallel computer capable of handling a huge number of client requests simultaneously.

While Arweave, launched back in 2018, is among the oldest decentralized networks in the crypto space, ao Computer is a recent innovation: the unified computing environment’s 

 debuted in February 2025. Both Arweave and ao Computer were founded by technology entrepreneur Sam Williams.

ao Computer’s overall architecture involves three main data processing units — the Messenger Unit (MU), Scheduler Unit (SU) and Compute Unit (CU) — working together to process user messages and return finalized results. The user (this could be an application, service or even an AI agent initiating some computing request) sends a message that’s passed to the MU, which then processes and forwards it to the SU. Then, the SU stores the messages on Arweave and schedules them for processing by the CU, which runs computations and provides the final output messages back to the MU. Finally, the MU delivers the output messages back to the user. The image below shows the overall architectural setup of this process.

Processes are ao Computer network modules that are responsible for processing messages of all kinds on the platform, including relevant messages from users and system-generated messages, with final results delivered back to the user. The key role of processes is to accept an input message and return a finalized result. ao processes maintain independence from each other, which enables them to execute tasks in a hyper-parallelized mode, offering ao extremely scalable computing power to its user community.

Messages are the primary data units on the ao Computer platform. They’re used by processes to execute user requests, pass data between processes and return results to users. Messages connect processes into a unified web, similar to the way in which hyperlinks on the internet connect websites.

Reproducible message logs stored on Arweave allow ao's node network participants to verify all transaction activity in a 

 data item format. Message processing based on the standardized format ensures that the messages are interoperable and can leverage existing 

MUs are the platform units responsible for accepting, routing and delivering messages. Processes create messages that are passed between different unit layers by MUs. In essence, MUs represent ao Computer's message-routing layer.

SUs ensure that messages are properly ordered and organized for further processing by appropriate computing units. While MUs are the platform's message-passing layer, SUs represent the message-ordering layer. SUs also store the messages and interaction logs on the Arweave network.

CUs are responsible for the actual computations needed to execute corresponding dynamic operations requested by messages. They provide the results of computations back to the MUs for final delivery to the client. The network's computing process status depends upon the work done by the CUs.

Parallel processing, a key feature of ao, offers extreme scalability. Processes involved in handling user requests are all executed in an independent, parallel way, creating a “hyper parallelized” system with scalability features akin to sophisticated Web 2.0 traditional computing environments. 

The parallel processing capacity of ao is starkly different from the typical single-threaded format of transaction execution used by 

ao Computer is based on a modular design in which each unit handles separate functions. Additionally, it features a high degree of composability, so that a different self-contained process may represent each function of the user app. For instance, a login module for a gaming app can be handled by one ao process, while another process may be responsible for in-game purchases. These processes can be customized or replaced, based on client requirements, making the entire process stack fully composable. 

To further improve the platform's modularity and customizability, ao has introduced the 

 protocol, which supports running ao processes via the standard and well-familiar HTTP messaging protocol. AO-Core also allows these processes to securely prove and verify each step of their state changes within HTTP messages.

, allows nodes to choose the devices they would like to run. Each device is essentially a modular blockchain service. As such, HyperBEAM and its underlying AO-Core protocol further boost the platform's modularity by allowing different nodes to flexibly offer separate services.

ao Computer integrates AI algorithms, including large language models (LLMs), that can execute their functions and output results based on decentralized, trustless computations. For instance, when a user app runs its predictive AI model by inputting some crypto price data and receives the corresponding financial value forecasts, the app's operator can be certain that all the data has been processed trustlessly by the ao network, ensuring privacy and security, preventing data breaches and ensuring the absence of interference from a centralized party.

To start using ao Computer as a developer, you'll need to 

, the operating system built on top of the protocol. Once aos is installed, you can run it by typing 

, a JavaScript/TypeScript library that lets you interact with ao from Node.js

Game developers should also consider two valuable tools integrated with the platform specifically for gaming apps — the Reality Protocol, which lets you create spatial worlds on ao, and the loomSDK, designed to let WebGL-based Unity applications interact with the Arweave chain through ao connect.

Non-technical blockchain users can explore ao Computer's growing collection of DApps from different niches, including 

. Examples of DeFi apps include a unified liquidity solution, 

 (DEX). One example of an AI-powered game is 

ao Computer's native token, AO, was launched in early 2024 through a 100% fair launch mechanism. AO's tokenomics features mirror some of 

's (BTC): maximum supply limitation of 21 million tokens, gradual release through a regular minting mechanism and emission halving every four years. Its fair launch mechanism allocates all 21 million AO tokens to the community contributing to ao Computer: 36% to Arweave (AR) token holders and 64% to users who bridge assets from other networks to AO. 

Although AO's tokenomics has a quadrennial 

 rule, emission halving doesn't occur all at once, as with Bitcoin. Instead, there's a gradual curve over which token releases decline smoothly. 

The AO token has several functions on the platform, including:

As of Jun 11, 2025, AO’s total supply (that is, all the tokens minted so far) stands at 4,183,207. According to the token’s release schedule, the entire supply of 21 million will be distributed by around August 2037.

You can buy the AO token on Bybit as a Spot pair with USDT (

As of Jun 12, 2025, the AO token was trading at $17.88, a 64.5% drop from its all-time high of $50.01 on Apr 7, 2025, and a 63.6% increase from its all-time low of $10.84 on Apr 16, 2025.

AO’s long-term price outlook is quite bullish. CoinCodex 

 at a high of $34.49 in 2027 and $75.74 in 2030, while CoinDataFlow is more conservative, 

 a maximum price of $12.74 in 2027 and $30.97 in 2030.

The ao Computer platform is among the most innovative 

 (DePIN) projects introduced in recent years. With its extremely scalable hyper parallel processing capacity and Arweave-based storage, ao Computer can challenge many centralized providers and competing web3 projects in this area. Because its modular design supports functional composability, the platform becomes a natural choice for DApps, blockchain services and AI agents that need to be flexible, adjustable and responsive to the constantly changing nature of the blockchain industry.

Advanced

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ao Computer (AO): The hyper parallel future of computing

CUDIS is a web3 wearable and longevity project. Dive into how CUDIS works, find out more about the CUDIS token, and learn how you can start trading CUDIS on Bybit.

Most people dream of living longer and healthier lives and earning passive income without additional work. CUDIS aims to make both of these possible through its 

 longevity protocol. The project combines an AI-powered smart ring with a personalized coaching app and blockchain incentives to gamify wellness, which can pay off in more ways than one.

In this article, we’ll take a closer look at how CUDIS works, the recent launch of the CUDIS token, and how you can start trading CUDIS on Bybit now.

 is a web3 longevity platform that uses real biometric data to reward users for building better habits. Its 

 is to drive longevity research and make living beyond 140 years of age a reality for most people. 

 that continuously monitors vital signs, and a mobile app that turns those readings into actionable advice. CUDIS gives users full ownership of their data, while also enabling them to tokenize or sell it if they wish.

CUDIS was founded in 2023 by Edison Chen and Jack Chang. Chen is a UCLA alumnus and the CEO of the project, while Chang is a UC Berkeley graduate who handles product and operations. Together, they lead a Silicon Valley–style team with talents from top tech and sports companies like Google, Samsung and Nike, and major crypto companies, such as Binance and Solana.

The project’s innovative approach to health has also attracted investments from venture capitalists. In September 2024, the company raised $5 million in seed financing, led by venture capital firm Draper Associates, along with SkyBridge Capital, Penrose Tech, SNZ and Borderless Capital. 

 has four main pieces: a wearable ring, a companion app, a data network and a Longevity Hub. Let’s look at each of them in detail below.

 that’s packed with health sensors. It continuously tracks dozens of biological metrics, such as sleep quality, heart rate, heart-rate variability (HRV), blood oxygen level, body temperature, stress indicators and more. Users simply need to wear the ring day and night, and it passively logs all vital signs.

The ring’s data syncs to CUDIS’s mobile 

, which uses artificial intelligence (AI) to turn raw biometrics into daily health advice. The app personalizes advice based on data history, helping the user gradually improve important habits such as sleep or exercise. Incidentally, the app isn’t limited to CUDIS ring users; it also allows users to import data from other devices, such as Apple Health, Garmin or Oura wearables. This expands both the platform’s ecosystem and the potential user base of the app. 

 is used to securely store and leverage all of this information. In the CUDIS model, each user receives a unique Longevity ID (LDID) that tags their data. This means that the users own their health data outright, and control who can access it. With this mechanism, the project aims to create a marketplace where aggregated and anonymized longevity data can be traded or analyzed, but only with the user’s permission. 

CUDIS also offers a community platform called the 

 that connects users with longevity science and wellness offerings. Through the hub, members get access to health programs, research partnerships and expert content on aging and well-being. 

In June 2025, CUDIS launched its native cryptocurrency, CUDIS, to power the incentive system. Users can earn CUDIS by accumulating “health points” in the app. Every time users log their sleep, exercise or other healthful habits, the system rewards them with points, which later convert into token airdrops.

CUDIS has set a fixed supply of 1 billion CUDIS tokens, allocated as follows:

Beyond rewards, CUDIS holders can also stake tokens in the app to boost their own health earnings and access higher-tier coaching modules. The token is also used as the payment currency within the CUDIS ecosystem, and users can spend CUDIS to buy premium health programs, advanced AI tools or certified longevity products. 

The CUDIS token is now available for trading on the Bybit Spot market.

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CUDIS: AI-powered wearable longevity protocol

Active trading with a long-term vision, disciplined risk management and strategic use of Bybit’s VIP Program can turn crypto trading into a sustainable wealth-building venture for future generations.

Active trading is often regarded as a high-risk, high-reward pursuit, typically associated with fast-paced decisions and short-term gains. However, when approached with the right discipline and strategy, it can become a powerful pathway to building generational wealth. By cultivating the right habits, honing their skills and leveraging smart, cutting-edge tools, traders can shift from seeking quick profits to focusing on long-term, sustainable success. This article explores 

 to see how it can give traders the tools and support needed to transform their crypto trading journey into a strategic, wealth-building venture that endures for generations.

Can crypto trading really help to build generational wealth?

With their potential for significant returns, cryptocurrencies have become a viable avenue for creating generational wealth. Approximately 

 globally have achieved millionaire status through crypto investments, which clearly shows the crypto market’s potential for financial transformation. Unlike traditional assets, such as stocks or real estate, cryptocurrencies like Bitcoin (BTC) and Ether (ETH) offer decentralized control and opportunities for outsized gains, particularly for younger generations and underserved communities.

However, crypto trading is not some get-rich-quick scheme. Building wealth that lasts across generations requires a long-term outlook and discipline. Traders can position themselves for sustained growth by leveraging the game-changing characteristics of crypto assets with strong fundamentals, such as Bitcoin’s limited supply or Ethereum’s 

Strategic wealth-building involves diversifying income streams via techniques such as 

, and planning for asset preservation through estate planning and secure storage. Bybit’s VIP Program enhances this journey by offering tools and benefits that support smarter, more efficient trading, making it easier to scale profits over time.

The key to generational wealth lies in reframing active trading as a deliberate, long-term strategy. Instead of chasing daily price swings, legacy builders use trading as a means to accumulate assets, reinvest profits and create systems that endure. This approach builds financial security and creates opportunities for future generations to thrive, regardless of economic conditions.

Top habits that differentiate legacy builders from short-term traders

Legacy builders approach trading with a mindset and habits that prioritize sustainability over quick wins. Here are the key habits that set them apart:

How Bybit VIP helps you trade smarter over time

Bybit’s VIP Program is designed to elevate traders’ experiences by offering exclusive benefits that align with the goals of legacy builders. Here’s how it supports smarter, long-term trading:

Smart Bybit tools that help you scale without burning out

Bybit offers innovative tools that simplify trading, reduce stress and support scalable wealth-building. Two standout features are trading bots and Copy Trading, which enable traders to automate strategies and learn from experts without having to constantly monitor their portfolios. These tools ensure that traders can scale their efforts efficiently and maintain a sustainable pace while building their wealth.

Bybit’s trading bots automate trading strategies, allowing users to execute trades based on predefined parameters, even in volatile markets. These bots are ideal for legacy builders who want to scale profits without being glued to their screens. Key benefits include:

For traders lacking the time or expertise to analyze markets, 

 allows users to replicate the strategies of expert traders in real time. This tool is particularly valuable for beginning traders, or for those looking to diversify their approach. Benefits include:

Active trading through Bybit’s VIP Program can pave the way to generational wealth when backed by discipline, strategic tools and a long-term vision. With HODLing, disciplined risk management and ongoing learning, you can turn short-term profits into lasting financial security.

Bybit’s trading bots and Copy Trading make scalability much easier without burnout, while VIP perks such as reduced fees and personalized support boost returns. If you want to build a lasting legacy, document your strategies, teach your heirs to read charts and secure your assets. Create a family plan for financial literacy, empowering future generations to manage and grow your wealth.

Intermediate

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From trader to legacy builder: How to build wealth with Bybit VIP

Crypto is morphing into a powerful tool for building and preserving generational wealth, offering access to high-growth assets and alternative financial systems.

 is set to be passed down from Baby Boomers to younger generations by 2045, and an estimated $6 trillion of that may flow directly into cryptocurrency. As digital assets change the way wealth is created and preserved, families are beginning to see crypto as a serious tool for securing their legacy. This article explores what generational wealth means, why it matters and how crypto can help in building and transferring wealth across generations.

Generational wealth is the transfer of valuable financial assets, investments or properties from one generation to the next, intended to provide lasting economic security and upward mobility for descendants.

 It often includes planning through wills, trusts and financial education.

Generational wealth is a key contributor to economic mobility and the perpetuation of financial disparities. In the United States, 

 is strikingly uneven, with the top 10% of earners holding a staggering 74% of the nation’s wealth, while the bottom 50% control only 2%. 

 of wealth is often passed down through generations, with the wealthiest 2% of inheritances accounting for more than 40% of all transferred assets. Sadly, these disparities have created a vicious, self-reinforcing cycle: families with generational wealth provide their children with advantages, such as debt-free education and start-up capital, while those without struggle against systemic barriers.

It's not surprising then, that the ethnic wealth gap continues to grow, even widening in recent years. For example, between 2019 and 2022, the median 

 between white and Black households grew by nearly $50,000, reaching a total difference of $240,120.

Planning for and maintaining generational wealth

Preserving generational wealth ensures financial resilience and the creation of opportunity across time. Families with preserved wealth can weather economic downturns (e.g., recessions, job loss) without depleting their assets. Wealth preservation allows families to fund businesses, invest in real estate or support innovation. A majority of ultra-wealthy families sustain their status through multi-generational business ownership

While the preservation of generational wealth can provide long-term benefits, such as financial security and opportunities for investments in education, property and business ventures, it’s not guaranteed to last. A 

 shows that 70% of wealthy families lose their wealth by the second generation, and a staggering 90% see their fortunes dissipate by the third. This so-called “third-generation curse” often occurs due to poor estate planning and a lack of financial literacy. To lift the “curse,” families can implement strategies by setting up trusts, implementing estate planning and promoting financial education.

The process of transferring wealth is also an opportunity to instill values and financial wisdom in the next generation. Financial literacy and open communication within families are vital in order to prepare heirs for the responsibility of managing wealth. 

Why crypto is entering the legacy conversation

Crypto’s decentralized nature, high-growth potential and unique advantages over traditional assets such as stocks, real estate and gold are changing the way that families approach long-term financial security.

Struggling with student debt and rising living costs, the younger generations are turning to crypto as a path toward financial independence. 

 that more than half of Gen Z and millennial investors see crypto as a key part of their financial future, especially as trust in traditional markets fades.

Platforms like Bybit are helping to level the playing field. They make it possible to start investing with just a small amount by using strategies such as 

 platforms have taken things even further. With tools like 

, families can now earn passive income in ways that go beyond real estate or bonds. These innovations give people more flexible ways to build wealth.

However, proper planning for crypto inheritance is key. Unlike traditional assets, digital currencies require secure storage and access to private keys. Tools like 

 help ensure that crypto can be passed along without relying on banks or lawyers. With smart contracts and self-custodied wallets, crypto is changing the way that families plan for the future by offering a more direct, global and secure way to transfer wealth across generations.

Risks to consider before passing crypto onto the next generation

Despite crypto’s promise, its volatility and regulatory uncertainty pose risks that differ sharply from those of traditional assets. 

How to plan for generational wealth with crypto

Building generational wealth through cryptocurrency requires thoughtful strategies that combine disciplined investing with secure management and estate planning. Here are two effective approaches to consider:

Cryptocurrency offers a modern path to build and preserve wealth across generations, especially for those underserved by traditional finance. With careful investment, secure storage and forward-thinking estate planning, crypto can become a powerful legacy tool. However, success requires education, strategy and the correct safeguards in order to ensure that future generations can truly benefit.

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Generational wealth: How you can plan for your future with crypto

A wallet address is a group of letters and numbers used for sending and receiving cryptocurrencies and other digital assets. It can be shared to facilitate digital transactions.

Wallet Address

An airdrop is a type of marketing strategy that involves sending crypto wallet addresses a few tokens or coins in exchange for small tasks, such as sharing a social media post. This is usually done to increase public awareness of a new cryptocurrency.

Airdrop

An algorithm is a finite sequence of instructions used to perform a calculation or to process data. These instructions must be completed in a specific order to produce the desired result.

Algorithm

All-time high, or ATH, is a term that refers to the highest historical price a cryptocurrency has reached since its initial launch.

All-Time High (ATH)

All-time low, or ATL, is an abnormally low price point. A crypto asset reaches its all-time low when the price of its coin is lower than it has ever been before.

All-Time Low (ATL)

An angel investor is an individual, usually of high net worth, who provides funding for entrepreneurs or startups in exchange for a percentage of ownership in the venture.

Angel Investor

Anti-money laundering, or AML, is any type of method that prevents criminals from moving illicit funds with crypto.

Anti-Money Laundering (AML)

Arbitrage is the buying and selling of the same asset concurrently in different crypto markets to earn a profit from the temporary price differences that are due to market inefficiencies.

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