Family offices and RIAs aren’t late to crypto anymore — they’re cautious about it. The 2026 question is no longer “should we allocate?” but “what structure do we use that satisfies counsel, compliance, and the principal’s discretionary preferences?” ARCrypto Gravity-tier engagements answer that question for the room.
The four structures family offices actually use
- Direct on-chain custody via institutional custodians (Anchorage, BitGo, Fireblocks). The cleanest book-entry model.
- SMA wrappers — separately managed accounts that hold crypto inside a regulated brokerage shell.
- ETF allocation — spot BTC and ETH ETFs are now mainstream. Liquid, custody-clean, but limited upside structure.
- Bespoke mandates — direct on-chain positions with structured borrow/lend overlays. Highest fidelity, requires the most compliance work.
What RIAs ask first
- Custody segregation (FBO accounts? Sub-accounts?).
- Custody insurance.
- Reporting cadence and format (must integrate with eMoney, Black Diamond, Orion).
- How to model duration and risk in clients’ IPS.
Where ARCrypto fits
We don’t replace your custodian or your compliance team. We supply the on-chain engine, the structure memos counsel can defend, and the reporting language your stack already speaks. RIAs and family offices keep the client. We supply the room.