How much a crypto advisor costs and what is included
How much a crypto advisor costs depends on the fee model, and the model says more about the advisor than the number does. Three formats exist in the market: a fee on assets, a flat monthly fee and a performance fee, plus the model that is not advisory at all, where the client "pays nothing" because the money comes from commissions. This guide explains what each format reveals, what must be included for the price to make sense and how Vault Capital is paid.
In short
- The fee model sets the incentive: a fee on assets aligns the advisor with portfolio growth; a commission aligns it with the product sold.
- The price only makes sense compared with what is included: research, follow-up, tooling, taxes and support.
- At Vault, the fee is an advisory fee on assets, monthly, set in the contract; professional investors may opt for a hybrid model with a performance fee. The exact figure comes in the proposal, after a free diagnostic.
The three fee models
| Model | How it works | What it reveals | Who it usually suits |
|---|---|---|---|
| Fee on assets | Annual percentage of the assets under advisory, charged monthly | The advisor earns when the portfolio grows and loses when it falls; direct alignment | Most investors, from the first deposit to large portfolios |
| Flat monthly fee | A fixed amount regardless of assets | Predictability; does not penalize small portfolios with a percentage that is worth little in cash | Smaller portfolios, where a percentage would not cover the cost of the service |
| Performance fee | A percentage of gains above a benchmark, usually combined with a base fee | Incentive for results; requires clear high-water-mark and benchmark rules | Professional investors, by regulatory requirement |
The fourth "model", free advice, is not advisory. If the client does not pay, the money comes from commissions on products, and CVM Resolution 19/2021 forbids that for securities advisors precisely so that the recommendation has no owner. Whoever offers guidance without charging is selling something else.
What must be included
Two services with the same fee can deliver very different things. Before comparing price, compare what goes in.
Diagnostic and plan. An initial conversation about wealth, goals and experience, followed by an allocation proposal suited to your profile and formalized in a contract. If the first conversation is already billed, the incentive is backwards.
In-house research. Technical, fundamental and quantitative models behind every recommendation. Without that, you are paying for opinion.
Whole wealth. Crypto and fixed income looked at together. How much goes into crypto depends on what sits outside it.
Continuous follow-up. Rebalancing, strategy reviews and a direct channel to the advisor for decisions. At Vault, follow-up includes an app with crypto and fixed income in real time, rebalancing alerts guided by the firm's model and an AI assistant that explains the numbers.
Crypto taxes. Positions, capital gains and the monthly tax form organized for filing. It is the part that generates the most rework and penalties when left out.
Human support. Who answers, through which channel and how fast. A chatbot does not decide with you.
When those six items are included, the fee stops being an isolated cost and becomes comparable with what you would spend, in time and mistakes, doing it alone.
How Vault Capital is paid
Vault is paid through an advisory fee on the client's assets, charged monthly, on the terms set in the contract. Professional investors may opt for a hybrid model combining an advisory fee and a performance fee. Under CVM Resolution 19/2021, the fee comes from the client and not from selling products: Vault does not distribute products from brokers or exchanges and takes no third-party commissions.
The exact figure depends on the assets under advisory and is presented in the proposal, after the initial diagnostic, which is free. There is no published minimum, and there is a specific fee model for smaller portfolios, also presented in the proposal. The client does not transfer funds to Vault: the fee payment is the only money flow between client and advisor, and investments stay at the institutions and wallets the client chooses. What is included, step by step, is on crypto advisory: how it works; the answers on billing and registration are in the FAQ.
How to compare proposals
Ask for three things in writing: the basis for the fee, the billing period and what is included. Then ask two questions that separate similar proposals: "do you earn any commission from a broker, exchange or project?" and "where do my assets stay and in whose name?". The right answer to the first is no; to the second, in your name, in your own accounts. The post what crypto-asset advisory is and how it works explains the service from the start.
Vault Capital does not guarantee returns. Crypto assets carry high risk, including significant volatility and the possibility of losing the invested capital. No fee buys results; what it buys is method and follow-up.
Frequently asked questions
How much does Vault's crypto advisory cost?
The fee is an advisory fee on assets, charged monthly and set in the contract. Professional investors may opt for a hybrid model with a performance fee. The exact figure is presented in the proposal, after the free initial diagnostic.
Is there a minimum to hire?
There is no published minimum. How well the service fits your wealth and goals is assessed in the free diagnostic conversation, and there is a specific fee model for smaller portfolios.
What exactly is the fee charged on?
On the assets under advisory, on the terms of the contract. The client does not transfer funds to Vault; the fee is the only money flow between the parties.
Is a performance fee better?
It depends on the profile. The rule reserves the hybrid model for professional investors, and it requires clear benchmark and high-water-mark rules. For most investors, a fee on assets already aligns the advisor with portfolio growth.
Let's talk
If you want to know what the advisory would cost in your case, the route is the diagnostic: free, no commitment, on WhatsApp, with a human advisor. The proposal follows, with the exact figure and everything included.
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