As adoption grows, so do the risks. In October 2025, TechCrunch reported that North Korea-related hackers (Lazarus) had stolen more than $2 billion in cryptocurrency thus far, making the year's total the largest on record. Most of the thefts, as observed in blockchain analytics, were perpetrated through social engineering scams rather than purely technological exploits. The primary weakness, in most instances, was human, not code.

This is not an isolated incident, but a stark reminder that digitally held property remains uniquely vulnerable. True sovereignty lies in the secure control of private keys and seed phrases. Lose the credentials, and no third party, court, or recovery service can recover access. Better still, without comprehensive estate planning and clear designs for inheritance, families can lose a large chunk of a deceased person's estate to cyber-limbo.

External threats further complicate the landscape. Nation-state adversaries, crime syndicates, and hackers are increasingly targeting high-value wallets using phishing, account takeover, and social engineering. The Elliptic-brokered North Korean heists alone have seen over 30 such incidents this year. The repercussions of insufficient security reach far beyond asset loss; they can involve litigation, reputational damage, and breaches of fiduciary duty.

This risk scenario also offers a significant opportunity. Advisors who acquire digital asset education and incorporate institutional custody offerings reinforce their value proposition. In a 2025 Fidelity Digital Assets survey, the adoption of digital assets among high-net-worth investors is more prevalent when their advisors approach the process with care. As clients become more demanding on custodial offerings, compliance warranties, and generational planning capability, the reliable provision will deepen the level of client trust and retention.

That is where Rivflow comes in as a strategic partner. Our design is underpinned by multi-signature wallets that distribute control among vetted parties, eliminating single points of failure and making unauthorized access extremely difficult. Our workflow ensures compliance by keeping you ahead of shifting standards. It aligns with regulations and taxing regimes, automates reporting and KYC, so your practice never falls behind. For fiduciaries and professionals in estates, Rivflow's inheritance tools provide secure, conditional access mechanisms that ensure the smooth transfer of digital assets to heirs without exposing keys to risk. We demystify complexity in self-custody, lighten the operational load, and provide assurance that clients' digital possessions remain secure, and access is granted to designated parties.

Digital assets will not be a fleeting trend, but a foundation of the global wealth stack. Those fiduciaries who act first, by educating themselves, choosing reliable infrastructure partners, and implementing disciplined procedures, will chart the course for secure stewardship of future wealth. The question is no longer should we prepare, but how. Rivflow prepares your clients' digital wealth to be protected, compliant, and lasting. Rivflow.com is the destination for learning how your practice can arrive at this moment, armed and ready.