From Scepticism to Systematic Strategy - How Family Offices are embracing Digital Assets
“Family offices aren’t asking if they’ll enter crypto anymore. They’re asking how.”
“Family offices aren’t asking if they’ll enter crypto anymore. They’re asking how.”
“Family offices aren’t asking if they’ll enter crypto anymore. They’re asking how.”
Introduction
In recent years, digital assets have experienced a seismic shift in perception among family offices. What was once viewed with skepticism is now increasingly regarded as a legitimate component of a well-balanced portfolio. Factors such as the rapid growth of cryptocurrencies like Bitcoin, rising institutional adoption, and the search for diversification and inflation hedges have all contributed to this evolution in outlook. According to research from Ocorian, over 90% of family offices in Hong Kong and Singapore are either already investing in or planning to invest in digital assets, underscoring a global trend that shows no sign of slowing.
The Shift in Attitudes
At MOIQ Capital—a Singapore-based wealth management powerhouse launched in April 2023—this shift is deeply familiar. Our founder has been involved with crypto since 2011. Over the past decade, we’ve seen family offices transition from outright dismissals to a more cautious form of optimism. Initially, many institutions dabbled by investing in cryptocurrency-focused funds. As confidence grew and regulatory clarity improved, we integrated crypto assets directly into our multi-asset portfolios using systematic investment strategies.
Robust governance and compliance frameworks underpin these efforts. We emphasize education for clients, recognizing that digital assets can seem opaque and volatile. By grounding investment decisions in transparent processes and risk metrics, we make the asset class accessible and comprehensible—even to those who remain on the fence.
Addressing Volatility and Risk
One of the primary hurdles for family offices is the perceived risk associated with cryptocurrencies. The volatility—often ranging from 50% to 80% annualized—can be off-putting, especially when compared to the S&P 500’s historical volatility of 15% to 20%. But we view digital assets as a potential hedge against inflation and currency devaluation, with an upside that could position them as “next-gen gold” or “gold 2.0.”
At MOIQ Capital, we typically limit exposure to digital assets at around 5% of the overall portfolio. Within that allocation, we utilize proprietary risk management signals developed through rigorous quantitative modeling. These signals help manage downside risks while still capturing the high-growth potential characteristic of emerging technologies. For families focused on wealth preservation, this balanced approach can serve as an effective middle ground.
Generational Divides
Discussions around investing in digital assets often highlight generational differences. Younger clients—Millennials and Gen Z—are more comfortable embracing the blockchain revolution. They see Bitcoin and Ethereum as natural fits in a tech-disrupted world, pushing for allocations of 5% to 10%.
Conversely, older generations—Baby Boomers and Gen X—tend to prioritize stability. Many have witnessed multiple market bubbles and crashes, from the dot-com bust to the 2008 financial crisis. Unsurprisingly, they are cautious about the high volatility of digital assets. In response, we offer tailored education sessions and risk-managed strategies, ensuring each family member’s comfort level and objectives are recognized and respected.
Regulatory Developments
Recent regulatory changes have played a pivotal role in tempering concerns. Jurisdictions such as Hong Kong, Singapore, and Abu Dhabi (ADGM) have introduced clear frameworks—ranging from crypto licensing in Hong Kong to Singapore’s Payment Services Act and ADGM’s regulatory initiatives. These developments offer investors greater confidence by clarifying security, compliance, and tax obligations.
MOIQ Capital closely monitors these shifts, working with legal and industry experts to align our strategies with evolving guidelines. The clearer the regulatory environment, the more confident our clients feel about investing in what was once deemed the “Wild West” of finance.
Cautious but Incremental Allocations
Despite growing comfort, most family offices are taking a measured approach, often dedicating a small percentage of their assets to crypto and related opportunities. In our view, many are “late to the party,” overestimating their knowledge of this rapidly evolving space. Yet, as the market matures, education increases, and confidence builds, these allocations are gradually inching upwards.
At MOIQ Capital, we’ve participated in digital assets from our inception. We recognize that even a modest holding can enhance a portfolio’s diversification profile without exposing it to undue volatility. This balanced position—seeking growth while mitigating risk—is particularly appealing for families wary of placing too many eggs in any one basket.
Essential Infrastructure for Digital Assets
For family offices venturing into digital assets, the need for robust infrastructure cannot be overstated. While the industry is not yet at a private banking “gold standard,” several key components have matured significantly in recent years:
Custodial Solutions
- Cold storage and multi-signature authentication help safeguard assets.
Trading Platforms
- Segregated accounts, staking integration, and access to deep liquidity pools ensure efficient and secure transactions.
Compliance Tools
- Blockchain analytics for due diligence, transaction monitoring, and AML/KYC compliance provide an additional layer of security.
At MOIQ Capital, we’ve woven these elements into our operations through strategic partnerships. Although no single solution is perfect, combining multiple best-in-class providers can deliver the institutional-grade reliability family offices expect.
Beyond Cryptocurrencies: Tokenization and DeFi
The potential of blockchain extends well beyond Bitcoin and Ethereum. Tokenization—where real-world assets are represented as digital tokens—opens possibilities for fractionalizing ownership. Large-scale assets like real estate or private equity stakes become more accessible and liquid. Instead of tying up $30 million in a single property, investors can purchase fractional tokens, allowing for more flexible trading and portfolio composition.
We’ve embraced these possibilities by exploring Real World Assets (RWAs) across multiple sectors. At MOIQ Capital, we’ve experimented with tokenizing a private jet and its flying hours, transforming a previously illiquid asset into a tradable stake. Likewise, we’re particularly interested in real estate, private equity, fine art, and luxury collectibles. Imagine splitting a Picasso into multiple tradable tokens or holding a fraction of a vintage Ferrari—these once “passion-only” assets now represent liquid, investable opportunities.
Looking Ahead
Over the next decade, digital assets are poised to become a mainstream feature of diversified portfolios. As blockchain technology matures and regulatory frameworks solidify, family offices will no longer question whether to participate, but rather how to optimize their allocations.
From our perspective at MOIQ Capital, the writing on the wall is clear: digital assets will be integral to forward-thinking investment strategies. They offer a hedge against traditional market risks while potentially delivering outsized returns—a combination that becomes increasingly compelling as more institutions validate the asset class.
Final Thoughts
For family offices still on the sidelines, the core advice is to start small but start now. Even a 1% to 2% allocation can be educational, providing real-world experience without exposing an entire portfolio to volatility. By partnering with experienced custodians, leveraging institutional-grade platforms, and conducting thorough due diligence, the risks can be carefully managed.
Given the pace of innovation and the potential returns, waiting too long might mean missing out on a once-in-a-generation opportunity. In the rapidly evolving world of digital assets, a measured, strategic approach can position family offices to benefit from the transformative power of blockchain technology—without sacrificing the cornerstone of wealth preservation that underpins family office mandates.
About the Author
Mauricio Ribeiro is the Co-Founder & CEO of MOIQ Capital, a Singapore-based wealth management powerhouse launched in April 2023. Hailing from Brazil, Mauricio started his career as a veterinarian, earning a Ph.D. in beef production. However, a curiosity for global markets led him to finance in 2008, eventually taking roles at EFG Bank and Julius Baer in Hong Kong’s private banking sector. By 2020, Singapore’s thriving financial scene lured him south, setting the stage for MOIQ Capital. With a vision that marries blockchain technology and timeless investment strategies, Mauricio’s focus remains on transparent, client-centric wealth solutions. His journey underscores a passion for breaking molds and staying ahead of the curve in the ever-evolving world of finance.
Introduction
In recent years, digital assets have experienced a seismic shift in perception among family offices. What was once viewed with skepticism is now increasingly regarded as a legitimate component of a well-balanced portfolio. Factors such as the rapid growth of cryptocurrencies like Bitcoin, rising institutional adoption, and the search for diversification and inflation hedges have all contributed to this evolution in outlook. According to research from Ocorian, over 90% of family offices in Hong Kong and Singapore are either already investing in or planning to invest in digital assets, underscoring a global trend that shows no sign of slowing.
The Shift in Attitudes
At MOIQ Capital—a Singapore-based wealth management powerhouse launched in April 2023—this shift is deeply familiar. Our founder has been involved with crypto since 2011. Over the past decade, we’ve seen family offices transition from outright dismissals to a more cautious form of optimism. Initially, many institutions dabbled by investing in cryptocurrency-focused funds. As confidence grew and regulatory clarity improved, we integrated crypto assets directly into our multi-asset portfolios using systematic investment strategies.
Robust governance and compliance frameworks underpin these efforts. We emphasize education for clients, recognizing that digital assets can seem opaque and volatile. By grounding investment decisions in transparent processes and risk metrics, we make the asset class accessible and comprehensible—even to those who remain on the fence.
Addressing Volatility and Risk
One of the primary hurdles for family offices is the perceived risk associated with cryptocurrencies. The volatility—often ranging from 50% to 80% annualized—can be off-putting, especially when compared to the S&P 500’s historical volatility of 15% to 20%. But we view digital assets as a potential hedge against inflation and currency devaluation, with an upside that could position them as “next-gen gold” or “gold 2.0.”
At MOIQ Capital, we typically limit exposure to digital assets at around 5% of the overall portfolio. Within that allocation, we utilize proprietary risk management signals developed through rigorous quantitative modeling. These signals help manage downside risks while still capturing the high-growth potential characteristic of emerging technologies. For families focused on wealth preservation, this balanced approach can serve as an effective middle ground.
Generational Divides
Discussions around investing in digital assets often highlight generational differences. Younger clients—Millennials and Gen Z—are more comfortable embracing the blockchain revolution. They see Bitcoin and Ethereum as natural fits in a tech-disrupted world, pushing for allocations of 5% to 10%.
Conversely, older generations—Baby Boomers and Gen X—tend to prioritize stability. Many have witnessed multiple market bubbles and crashes, from the dot-com bust to the 2008 financial crisis. Unsurprisingly, they are cautious about the high volatility of digital assets. In response, we offer tailored education sessions and risk-managed strategies, ensuring each family member’s comfort level and objectives are recognized and respected.
Regulatory Developments
Recent regulatory changes have played a pivotal role in tempering concerns. Jurisdictions such as Hong Kong, Singapore, and Abu Dhabi (ADGM) have introduced clear frameworks—ranging from crypto licensing in Hong Kong to Singapore’s Payment Services Act and ADGM’s regulatory initiatives. These developments offer investors greater confidence by clarifying security, compliance, and tax obligations.
MOIQ Capital closely monitors these shifts, working with legal and industry experts to align our strategies with evolving guidelines. The clearer the regulatory environment, the more confident our clients feel about investing in what was once deemed the “Wild West” of finance.
Cautious but Incremental Allocations
Despite growing comfort, most family offices are taking a measured approach, often dedicating a small percentage of their assets to crypto and related opportunities. In our view, many are “late to the party,” overestimating their knowledge of this rapidly evolving space. Yet, as the market matures, education increases, and confidence builds, these allocations are gradually inching upwards.
At MOIQ Capital, we’ve participated in digital assets from our inception. We recognize that even a modest holding can enhance a portfolio’s diversification profile without exposing it to undue volatility. This balanced position—seeking growth while mitigating risk—is particularly appealing for families wary of placing too many eggs in any one basket.
Essential Infrastructure for Digital Assets
For family offices venturing into digital assets, the need for robust infrastructure cannot be overstated. While the industry is not yet at a private banking “gold standard,” several key components have matured significantly in recent years:
Custodial Solutions
- Cold storage and multi-signature authentication help safeguard assets.
Trading Platforms
- Segregated accounts, staking integration, and access to deep liquidity pools ensure efficient and secure transactions.
Compliance Tools
- Blockchain analytics for due diligence, transaction monitoring, and AML/KYC compliance provide an additional layer of security.
At MOIQ Capital, we’ve woven these elements into our operations through strategic partnerships. Although no single solution is perfect, combining multiple best-in-class providers can deliver the institutional-grade reliability family offices expect.
Beyond Cryptocurrencies: Tokenization and DeFi
The potential of blockchain extends well beyond Bitcoin and Ethereum. Tokenization—where real-world assets are represented as digital tokens—opens possibilities for fractionalizing ownership. Large-scale assets like real estate or private equity stakes become more accessible and liquid. Instead of tying up $30 million in a single property, investors can purchase fractional tokens, allowing for more flexible trading and portfolio composition.
We’ve embraced these possibilities by exploring Real World Assets (RWAs) across multiple sectors. At MOIQ Capital, we’ve experimented with tokenizing a private jet and its flying hours, transforming a previously illiquid asset into a tradable stake. Likewise, we’re particularly interested in real estate, private equity, fine art, and luxury collectibles. Imagine splitting a Picasso into multiple tradable tokens or holding a fraction of a vintage Ferrari—these once “passion-only” assets now represent liquid, investable opportunities.
Looking Ahead
Over the next decade, digital assets are poised to become a mainstream feature of diversified portfolios. As blockchain technology matures and regulatory frameworks solidify, family offices will no longer question whether to participate, but rather how to optimize their allocations.
From our perspective at MOIQ Capital, the writing on the wall is clear: digital assets will be integral to forward-thinking investment strategies. They offer a hedge against traditional market risks while potentially delivering outsized returns—a combination that becomes increasingly compelling as more institutions validate the asset class.
Final Thoughts
For family offices still on the sidelines, the core advice is to start small but start now. Even a 1% to 2% allocation can be educational, providing real-world experience without exposing an entire portfolio to volatility. By partnering with experienced custodians, leveraging institutional-grade platforms, and conducting thorough due diligence, the risks can be carefully managed.
Given the pace of innovation and the potential returns, waiting too long might mean missing out on a once-in-a-generation opportunity. In the rapidly evolving world of digital assets, a measured, strategic approach can position family offices to benefit from the transformative power of blockchain technology—without sacrificing the cornerstone of wealth preservation that underpins family office mandates.
About the Author
Mauricio Ribeiro is the Co-Founder & CEO of MOIQ Capital, a Singapore-based wealth management powerhouse launched in April 2023. Hailing from Brazil, Mauricio started his career as a veterinarian, earning a Ph.D. in beef production. However, a curiosity for global markets led him to finance in 2008, eventually taking roles at EFG Bank and Julius Baer in Hong Kong’s private banking sector. By 2020, Singapore’s thriving financial scene lured him south, setting the stage for MOIQ Capital. With a vision that marries blockchain technology and timeless investment strategies, Mauricio’s focus remains on transparent, client-centric wealth solutions. His journey underscores a passion for breaking molds and staying ahead of the curve in the ever-evolving world of finance.
Introduction
In recent years, digital assets have experienced a seismic shift in perception among family offices. What was once viewed with skepticism is now increasingly regarded as a legitimate component of a well-balanced portfolio. Factors such as the rapid growth of cryptocurrencies like Bitcoin, rising institutional adoption, and the search for diversification and inflation hedges have all contributed to this evolution in outlook. According to research from Ocorian, over 90% of family offices in Hong Kong and Singapore are either already investing in or planning to invest in digital assets, underscoring a global trend that shows no sign of slowing.
The Shift in Attitudes
At MOIQ Capital—a Singapore-based wealth management powerhouse launched in April 2023—this shift is deeply familiar. Our founder has been involved with crypto since 2011. Over the past decade, we’ve seen family offices transition from outright dismissals to a more cautious form of optimism. Initially, many institutions dabbled by investing in cryptocurrency-focused funds. As confidence grew and regulatory clarity improved, we integrated crypto assets directly into our multi-asset portfolios using systematic investment strategies.
Robust governance and compliance frameworks underpin these efforts. We emphasize education for clients, recognizing that digital assets can seem opaque and volatile. By grounding investment decisions in transparent processes and risk metrics, we make the asset class accessible and comprehensible—even to those who remain on the fence.
Addressing Volatility and Risk
One of the primary hurdles for family offices is the perceived risk associated with cryptocurrencies. The volatility—often ranging from 50% to 80% annualized—can be off-putting, especially when compared to the S&P 500’s historical volatility of 15% to 20%. But we view digital assets as a potential hedge against inflation and currency devaluation, with an upside that could position them as “next-gen gold” or “gold 2.0.”
At MOIQ Capital, we typically limit exposure to digital assets at around 5% of the overall portfolio. Within that allocation, we utilize proprietary risk management signals developed through rigorous quantitative modeling. These signals help manage downside risks while still capturing the high-growth potential characteristic of emerging technologies. For families focused on wealth preservation, this balanced approach can serve as an effective middle ground.
Generational Divides
Discussions around investing in digital assets often highlight generational differences. Younger clients—Millennials and Gen Z—are more comfortable embracing the blockchain revolution. They see Bitcoin and Ethereum as natural fits in a tech-disrupted world, pushing for allocations of 5% to 10%.
Conversely, older generations—Baby Boomers and Gen X—tend to prioritize stability. Many have witnessed multiple market bubbles and crashes, from the dot-com bust to the 2008 financial crisis. Unsurprisingly, they are cautious about the high volatility of digital assets. In response, we offer tailored education sessions and risk-managed strategies, ensuring each family member’s comfort level and objectives are recognized and respected.
Regulatory Developments
Recent regulatory changes have played a pivotal role in tempering concerns. Jurisdictions such as Hong Kong, Singapore, and Abu Dhabi (ADGM) have introduced clear frameworks—ranging from crypto licensing in Hong Kong to Singapore’s Payment Services Act and ADGM’s regulatory initiatives. These developments offer investors greater confidence by clarifying security, compliance, and tax obligations.
MOIQ Capital closely monitors these shifts, working with legal and industry experts to align our strategies with evolving guidelines. The clearer the regulatory environment, the more confident our clients feel about investing in what was once deemed the “Wild West” of finance.
Cautious but Incremental Allocations
Despite growing comfort, most family offices are taking a measured approach, often dedicating a small percentage of their assets to crypto and related opportunities. In our view, many are “late to the party,” overestimating their knowledge of this rapidly evolving space. Yet, as the market matures, education increases, and confidence builds, these allocations are gradually inching upwards.
At MOIQ Capital, we’ve participated in digital assets from our inception. We recognize that even a modest holding can enhance a portfolio’s diversification profile without exposing it to undue volatility. This balanced position—seeking growth while mitigating risk—is particularly appealing for families wary of placing too many eggs in any one basket.
Essential Infrastructure for Digital Assets
For family offices venturing into digital assets, the need for robust infrastructure cannot be overstated. While the industry is not yet at a private banking “gold standard,” several key components have matured significantly in recent years:
Custodial Solutions
- Cold storage and multi-signature authentication help safeguard assets.
Trading Platforms
- Segregated accounts, staking integration, and access to deep liquidity pools ensure efficient and secure transactions.
Compliance Tools
- Blockchain analytics for due diligence, transaction monitoring, and AML/KYC compliance provide an additional layer of security.
At MOIQ Capital, we’ve woven these elements into our operations through strategic partnerships. Although no single solution is perfect, combining multiple best-in-class providers can deliver the institutional-grade reliability family offices expect.
Beyond Cryptocurrencies: Tokenization and DeFi
The potential of blockchain extends well beyond Bitcoin and Ethereum. Tokenization—where real-world assets are represented as digital tokens—opens possibilities for fractionalizing ownership. Large-scale assets like real estate or private equity stakes become more accessible and liquid. Instead of tying up $30 million in a single property, investors can purchase fractional tokens, allowing for more flexible trading and portfolio composition.
We’ve embraced these possibilities by exploring Real World Assets (RWAs) across multiple sectors. At MOIQ Capital, we’ve experimented with tokenizing a private jet and its flying hours, transforming a previously illiquid asset into a tradable stake. Likewise, we’re particularly interested in real estate, private equity, fine art, and luxury collectibles. Imagine splitting a Picasso into multiple tradable tokens or holding a fraction of a vintage Ferrari—these once “passion-only” assets now represent liquid, investable opportunities.
Looking Ahead
Over the next decade, digital assets are poised to become a mainstream feature of diversified portfolios. As blockchain technology matures and regulatory frameworks solidify, family offices will no longer question whether to participate, but rather how to optimize their allocations.
From our perspective at MOIQ Capital, the writing on the wall is clear: digital assets will be integral to forward-thinking investment strategies. They offer a hedge against traditional market risks while potentially delivering outsized returns—a combination that becomes increasingly compelling as more institutions validate the asset class.
Final Thoughts
For family offices still on the sidelines, the core advice is to start small but start now. Even a 1% to 2% allocation can be educational, providing real-world experience without exposing an entire portfolio to volatility. By partnering with experienced custodians, leveraging institutional-grade platforms, and conducting thorough due diligence, the risks can be carefully managed.
Given the pace of innovation and the potential returns, waiting too long might mean missing out on a once-in-a-generation opportunity. In the rapidly evolving world of digital assets, a measured, strategic approach can position family offices to benefit from the transformative power of blockchain technology—without sacrificing the cornerstone of wealth preservation that underpins family office mandates.
About the Author
Mauricio Ribeiro is the Co-Founder & CEO of MOIQ Capital, a Singapore-based wealth management powerhouse launched in April 2023. Hailing from Brazil, Mauricio started his career as a veterinarian, earning a Ph.D. in beef production. However, a curiosity for global markets led him to finance in 2008, eventually taking roles at EFG Bank and Julius Baer in Hong Kong’s private banking sector. By 2020, Singapore’s thriving financial scene lured him south, setting the stage for MOIQ Capital. With a vision that marries blockchain technology and timeless investment strategies, Mauricio’s focus remains on transparent, client-centric wealth solutions. His journey underscores a passion for breaking molds and staying ahead of the curve in the ever-evolving world of finance.
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