Crypto advisory for high-net-worth and family offices

Crypto advisory for high-net-worth investors and family offices solves problems that do not exist for someone with little in crypto: the size of the position relative to total wealth, the choice between institutional custody and multisig self-custody, the succession of keys across generations and the share of assets held outside Brazil. This guide explains what changes on each front when the amount is meaningful, what a regulated advisor delivers in those cases and how Vault Capital serves this profile.

What changes when the amount is meaningful

For a small portfolio the question is "how much to buy". For a large one the question becomes "how much does this weigh in the whole, who holds it, how does it pass to the next generation and where does it sit". Four fronts concentrate the difference.

Concentration. A position that started small and multiplied tenfold may now be the largest slice of the wealth without anyone having decided that. Advisory puts the decision back on the table: what the right weight of crypto is against fixed income, property and the family business, and what the rebalancing rule is when the weight drifts out of range. The post what crypto-asset advisory is and how it works describes the method.

Custody. With large amounts, leaving everything on one exchange is counterparty risk, and leaving everything in one wallet with one seed is single-point-of-failure risk. The options range from an institutional custodian to multisig self-custody, where moving funds requires, for example, 2 of 3 signatures spread across people and places. The post crypto custody: self-custody vs third-party compares the arrangements.

Succession. In a family, a key only one person knows is a liability. The advisor organizes, with the family, the inventory of assets, the distribution of keys and the instructions the lawyer formalizes, so that the wealth reaches the right people without depending on anyone's memory. The post crypto inheritance planning in Brazil details the plan.

Abroad. Part of the assets on exchanges outside Brazil, family members living in other countries, crypto held abroad declared under Law 14,754. Vault serves clients in 7 countries, and the conversation and follow-up happen remotely.

What a regulated advisor delivers for this profile

A securities advisor authorized by Brazil's CVM under CVM Resolution 19/2021 analyzes the wealth, recommends an allocation and follows the portfolio; the client decides and keeps custody, with assets always in the client's name. For high-net-worth investors and family offices, that translates into four deliverables.

1. A diagnostic of the whole wealth, not just the crypto slice, so that the weight of each asset class is a decision rather than an accident.
2. An allocation plan formalized in a contract, with crypto and fixed income in the same strategy, rebalancing rules and entry and exit criteria.
3. A custody and succession design suited to the size and structure of the family, with the investor or family office keeping the keys and accounts.
4. Continuous follow-up through Vault's app, with crypto and fixed income in real time, rebalancing alerts, positions and crypto tax forms ready for filing, and direct contact with the advisor for decisions.

The fee is an advisory fee on assets, monthly, set in the contract. Professional investors, as defined by CVM Resolution 30/2021 (individuals with financial investments above R$ 10 million who attest to that status), may opt for a hybrid model combining an advisory fee and a performance fee. Vault does not distribute products from brokers or exchanges and takes no third-party commissions.

Family office: the governance layer

When the decision-maker is a structure rather than a person, three things need to be written down before the first deposit: who approves the allocation, who has access to each key and account, and what happens if any of those people leaves. The advisor helps the family write those rules and turns them into a custody arrangement the family can actually operate: per-transaction limits, an operating wallet separate from the reserve, periodic review.

The same principle applies to a family business that keeps part of its cash in crypto, covered in crypto advisory for companies.

How to start

The first conversation is a free, no-commitment diagnostic on WhatsApp with a human advisor. Bring the view of the whole wealth, the list of exchanges and wallets in use and the people involved in decisions. The conversation ends with a straight answer on whether advisory makes sense for the structure. How the advisory works, step by step, is on crypto advisory: how it works; regulatory documents are on the compliance page.

Vault Capital does not guarantee returns. Crypto assets carry high risk, including significant volatility and the possibility of losing the invested capital. What advisory offers is method: deep research, demanding procedures and continuous follow-up.

Frequently asked questions

Does Vault serve family offices?

Yes. The service is the same as advisory for individuals, with the diagnostic and plan adapted to the family's decision structure, distributed custody and succession. Assets stay in the name of the family or its structures, never in Vault's name.

What is the difference between a qualified and a professional investor in Brazil?

Under CVM Resolution 30/2021, a qualified investor has financial investments above R$ 1 million and attests to it; a professional investor, above R$ 10 million. The distinction matters because the hybrid fee model, with a performance fee, is reserved for professional investors.

Institutional custody or multisig self-custody?

It depends on size, structure and who operates it. An institutional custodian shifts operational risk to a regulated third party, with cost and dependence. Multisig keeps control within the family, with operational responsibility and a mandatory succession plan. The advisor compares both for the specific case.

Does Vault serve families with members outside Brazil?

Yes. Vault already serves clients in 7 countries. The diagnostic and follow-up happen remotely, and the app tracks crypto and fixed income in real time from anywhere.

Let's talk

If crypto already weighs on the family's wealth and the decisions on custody, succession and allocation still live in one person's head, Vault's diagnostic is free and carries no commitment. Assets always stay in the family's name.