{"id":4131,"date":"2022-01-11T09:11:20","date_gmt":"2022-01-11T08:11:20","guid":{"rendered":"https:\/\/bicon.li\/?p=4131"},"modified":"2026-03-12T21:48:53","modified_gmt":"2026-03-12T20:48:53","slug":"blockchain-and-wealth-management","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2022\/01\/11\/blockchain-and-wealth-management\/","title":{"rendered":"Centro Law Expert Guest Series: Blockchain and Wealth Management"},"content":{"rendered":"<div class=\"wp-block-uagb-advanced-heading uagb-block-b332f123 uagb-heading-text advgb-block-b332f123\"><h2 class=\"uagb-heading-text\"><h2 class=\"uagb-heading-text\"><\/h2><h2 class=\"uagb-heading-text\"><\/h2><h2 class=\"uagb-heading-text\">What to expect from blockchain applications when it comes to wealth management?<\/h2><div class=\"uagb-separator\"><\/div><div class=\"uagb-separator\"><\/div><div class=\"uagb-separator\"><\/div><\/h2><div class=\"uagb-separator\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-cc1a0dc5 uagb-heading-text advgb-block-cc1a0dc5\"><h2 class=\"uagb-heading-text\"><h2 class=\"uagb-heading-text\"><\/h2><h2 class=\"uagb-heading-text\"><\/h2><h2 class=\"uagb-heading-text\">Will Blockchain Technology disrupt Wealth Management?<\/h2><div class=\"uagb-separator\"><\/div><div class=\"uagb-separator\"><\/div><div class=\"uagb-separator\"><\/div><\/h2><div class=\"uagb-separator\"><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">So far, the wealth management industry has primarily escaped disruption by blockchain technology. Presumably, challenges in scalability, regulatory uncertainty, and a cautious new technology adoption approach are some reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, wealth owners and family offices have discovered the power of blockchain and the growth opportunities it presents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, is there game-changer potential in wealth management?<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-base-3-color has-css-opacity has-base-3-background-color has-background advgb-dyn-a56fca09\"\/>\n\n\n\n<div class=\"wp-block-uagb-call-to-action uagb-block-8e5828b4 wp-block-button advgb-block-8e5828b4\"><div class=\"uagb-cta__wrap\"><h3 class=\"uagb-cta__title\">Volkmar Ritter in the Centro Law Guest Series<\/h3><p class=\"uagb-cta__desc\">I had the opportunity to talk to Centro LAW about the above topics as part of the  expert guest series. Thank you for the opportunity to do this interview on this interesting and topical subject<\/p><\/div><div class=\"uagb-cta__buttons\"><a href=\"https:\/\/www.centrolaw.ch\/en\/insights\/detail\/blockchain-and-wealth-management\" class=\"uagb-cta__button-link-wrapper wp-block-button__link\" target=\"_blank\" rel=\"noopener noreferrer\">Read Interview<\/a><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"centro-law-thank-you-for-the-opportunity-to-do-this-interview-on-a-very-interesting-and-topical-subject-the-complete-interview-can-be-found-on-the-centro-law-site\"><br>Some excerpts from the interview<br>(<a href=\"https:\/\/www.centrolaw.ch\/en\/insights\/detail\/blockchain-and-wealth-management\" target=\"_blank\" rel=\"noreferrer noopener\">the complete interview can be found on the Centro Law Site<\/a>):<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><span style=\"font-size: inherit;\"><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my experience, a distinction should be made between digital innovations to add automation and efficiency versus added service and product novelty. Your market success will be granted if you can succeed in both dimensions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So maybe the blockchain and other technical inventions will enable new uses cases that will add efficiency and novelty simultaneously.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">...<br>Regarding the blockchain, we need again to distinguish between mainly efficiency-driven uses cases like, for example, much faster clearing and settlement in a centralized (non-public) environment where only banks and exchanges can participate. <br>These are the typical \"blockchain technology is tremendous\" use cases you mentioned earlier. These projects are no revolution but efficiency-driven evolutions.<br>\u2026<br>But when we look at the fundamental blockchain innovation, Bitcoin, there is a more critical aspect to it, the decentralization of trust.<br>This rather revolutionary approach in finance, where central trust has always been a significant element, brings the opportunity for revolutionary products and services in the financial industry.\u00a0<br>...<br>As mentioned earlier, blockchain will improve efficiency and transparency (traceability) in financial services as technology advances. Therefore, a large part of the investment universe will eventually be listed and traded as digital assets.<br>...<br>Suppose the decentralization aspects remain predominant in the public blockchain environment, not as in the case of the internet, where gigantic and centralized companies became very dominant. In that case, one can also imagine somewhat disruptive disintermediation of the financial service providers, at least as far as the processing of transactions is concerned.<br>\u2026<br>However, blockchain will not replace good and sound investment advice.<br>...<br>As always with investments, the higher the return, the higher the risks. The public blockchain sector poses a variety of threats. They include legal, technical, market, and economic risks, and there is also a high rate of exploits and, finally, quite simply, fraud. Not to mention the problem of money laundering.<br>Therefore, in terms of risk and return, most crypto investments are comparable to high-risk venture capital investments.<br>Crypto investments still carry additional risks, such as software bugs and corresponding exploits.<br>...<br>As mentioned above, professional and sound advice is still vital. It will also allow you to invest according to your risk profile and avoid losses that you cannot bear.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>What to expect from blockchain applications when it comes to ... <\/p>\n<p class=\"read-more-container\"><a title=\"Centro Law Expert Guest Series: Blockchain and Wealth Management\" class=\"read-more button\" href=\"https:\/\/bicon.li\/en\/2022\/01\/11\/blockchain-and-wealth-management\/#more-4131\" aria-label=\"Read more about Centro Law Expert Guest Series: Blockchain and Wealth Management\">Read Article<\/a><\/p>","protected":false},"author":1,"featured_media":4132,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","generate_page_header":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[3,17,23,16,22,35],"tags":[31],"class_list":["post-4131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-blockchain","category-innovation","category-strategy","category-wealthmanagement","category-wealthtech","tag-english","infinite-scroll-item","masonry-post","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50","no-featured-image-padding"],"featured_image_src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/01\/WM-blockchain.jpg?fit=1356%2C668&ssl=1","author_info":{"display_name":"Volkmar Ritter","author_link":"https:\/\/bicon.li\/en\/author\/wm\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Centro Law Expert Guest Series: Blockchain and Wealth Management | BICon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bicon.li\/en\/2022\/01\/11\/blockchain-and-wealth-management\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Centro Law Expert Guest Series: Blockchain and Wealth Management | BICon\" \/>\n<meta property=\"og:description\" content=\"What to expect from blockchain applications when it comes to ... 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Mein Ziel war es den Studierenden einen praxisnahen, top-aktuellen und spannenden Beitrag zu liefern. Der Inhalt des Moduls gliederte sich wie folgt: Lektion\u2026","rel":"","context":"In &quot;Blockchain&quot;","block_context":{"text":"Blockchain","link":"https:\/\/bicon.li\/en\/category\/blockchain\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/f42ec319-46ff-46d9-a5e2-0555a5aaeda4-10726-0000082b189d9f07.jpg?fit=650%2C433&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/f42ec319-46ff-46d9-a5e2-0555a5aaeda4-10726-0000082b189d9f07.jpg?fit=650%2C433&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2018\/11\/f42ec319-46ff-46d9-a5e2-0555a5aaeda4-10726-0000082b189d9f07.jpg?fit=650%2C433&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":5252,"url":"https:\/\/bicon.li\/en\/2022\/11\/28\/5-zertifikatsstudiengang-blockchain-und-fintech\/","url_meta":{"origin":4131,"position":1},"title":"5. Certificate Programme Blockchain and FinTech","author":"Volkmar Ritter","date":"2022-11-28","format":false,"excerpt":"Es freut mich sehr, auch im f\u00fcnften Durchgang des Zertifikatsstudienganges\u00a0Blockchain und FinTech an der Universit\u00e4t Liechtenstein zwei Bl\u00f6cke zu dozieren: Digitale Innovationen \/ FinTech Gesch\u00e4ftsmodelle und EconomicsM\u00f6gliche Strategien und Rollen\u00a0f\u00fcr\u00a0Finanzintermedi\u00e4re\u00a0 Introduction to DeFi (Decentralized Finance) Im ersten Teil ist das Ziel den Studierenden ein Verst\u00e4ndnis von folgenden Punkten zu vermitteln:\u2026","rel":"","context":"In &quot;Blockchain&quot;","block_context":{"text":"Blockchain","link":"https:\/\/bicon.li\/en\/category\/blockchain\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/02\/img_6623.png?fit=594%2C372&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/02\/img_6623.png?fit=594%2C372&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/02\/img_6623.png?fit=594%2C372&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":855,"url":"https:\/\/bicon.li\/en\/2016\/01\/20\/digital-wealth-management-2-0-building-blocks\/","url_meta":{"origin":4131,"position":2},"title":"Digital Wealth Management 2.0 Building Blocks","author":"Volkmar Ritter","date":"2016-01-20","format":false,"excerpt":"A lot has been written about robo advisors like betterment.com, wealthfront.com etc. (An overview of US robo advisors can be found here). 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The real \"sex appeal\" of the blockchain is that no central authority is needed and therefore no central\u2026","rel":"","context":"In &quot;Blockchain&quot;","block_context":{"text":"Blockchain","link":"https:\/\/bicon.li\/en\/category\/blockchain\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/01\/img_6445.jpg?fit=800%2C543&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/01\/img_6445.jpg?fit=800%2C543&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/01\/img_6445.jpg?fit=800%2C543&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2021\/01\/img_6445.jpg?fit=800%2C543&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6679,"url":"https:\/\/bicon.li\/en\/2024\/03\/17\/the-future-of-wealth-management\/","url_meta":{"origin":4131,"position":4},"title":"The Future of Wealth Management: Navigating Digitalization, AI, and Passive Investing Trends","author":"Volkmar Ritter","date":"2024-03-17","format":false,"excerpt":"The wealth management industry is undergoing a transformative phase, influenced by technological advancements, shifting demographics, and changing investor preferences. 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