Here's What We Do
(and Why It Matters)

Five gold coins with Bitcoin, Ethereum, XRP, Stellar, and Avalanche logos sit side by side on a white background. - Digital Wealth Partners

Registered Investment Advisor · Fiduciary · Hybrid RIA

Your Stocks and Your Crypto, Managed Under One Roof

Digital Wealth Partners puts traditional securities and crypto inside a single fiduciary relationship, with institutional-grade custody, tax intelligence, and estate planning built in.

Fiduciary Standard

We're legally required to put your interests first. Always.

Federal Bank Custody

Digital assets held through an OCC-chartered national bank.

Cross-Asset Tax Strategy

Harvest crypto losses against stock gains in one portfolio.

Estate + Key Succession

Your heirs get a real plan, not just a beneficiary form.

DWP vs. The Competition

Select a competitor to see a side-by-side breakdown across legal, security, financial, and tax capabilities.

vs. Competitor 1

Feature	DWP	Competitor 1
Legal & Regulatory
OCC Federal Bank Charter Highest-tier US banking regulation	✓	✕
Qualified Custodian (SEC 206(4)-2) Required for proper RIA asset custody	✓	✓
Fiduciary Investment Advice Legal obligation to act in your best interest	✓	✕
Bankruptcy Remoteness Assets isolated from the firm’s balance sheet	✓	✓
ERISA Compliant Custody Approved to hold 401(k) and pension assets	✓	✕
“Specie” Insurance Policy Covers physical loss or theft of private keys	✓	✓
No Rehypothecation Your assets are never lent out without consent	✓	✓
Security & Governance
FIPS 140-2 Level 3 HSMs Hardware security modules	✓	✓
On-Chain Segregation Dedicated addresses, verifiable on-chain	✓	✕
Biometric “Proof of Intent” Video/facial auth for large withdrawals	✓	✕
Quorum-Based Governance M-of-N signatures to authorize movements	✓	✕
Address Whitelisting Assets only sent to pre-approved wallets	✓	✓
Financial Utility & Yield
Unified Stock + Crypto Management Both asset classes in one strategy	✓	~
Managed DeFi Yield Strategies Staking, LP, governance with controls	✓	✕
Crypto-Backed Lending Borrow against BTC/ETH without selling	✓	~
Fractional Share Trading Invest exact dollar amounts into any asset	✓	✓
Tax Intelligence
Cross-Asset Tax-Loss Harvesting Sell crypto losses to offset stock gains	✓	✕
Specific Lot Identification Sell highest-cost lots first to minimize tax	✓	✕
Direct Indexing Custom stock baskets for tax efficiency	✓	✕

vs. Competitor 2

Feature	DWP	Competitor 2
Legal & Regulatory
OCC Federal Bank Charter Highest-tier US banking regulation	✓	✕
Qualified Custodian (SEC 206(4)-2) Required for proper RIA asset custody	✓	✓
Fiduciary Investment Advice Legal obligation to act in your best interest	✓	✕
Bankruptcy Remoteness Assets isolated from the firm’s balance sheet	✓	✓
ERISA Compliant Custody Approved to hold 401(k) and pension assets	✓	✓
“Specie” Insurance Policy Covers physical loss or theft of private keys	✓	~
No Rehypothecation Your assets are never lent out without consent	✓	✓
Security & Governance
FIPS 140-2 Level 3 HSMs Hardware security modules	✓	✓
On-Chain Segregation Dedicated addresses, verifiable on-chain	✓	✓
Biometric “Proof of Intent” Video/facial auth for large withdrawals	✓	✓
Quorum-Based Governance M-of-N signatures to authorize movements	✓	✓
Address Whitelisting Assets only sent to pre-approved wallets	✓	✓
Financial Utility & Yield
Unified Stock + Crypto Management Both asset classes in one strategy	✓	✕
Managed DeFi Yield Strategies Staking, LP, governance with controls	✓	✓
Crypto-Backed Lending Borrow against BTC/ETH without selling	✓	✓
Fractional Share Trading Invest exact dollar amounts into any asset	✓	✓
Tax Intelligence
Cross-Asset Tax-Loss Harvesting Sell crypto losses to offset stock gains	✓	✓
Specific Lot Identification Sell highest-cost lots first to minimize tax	✓	✓
Direct Indexing Custom stock baskets for tax efficiency	✓	✕

vs. Competitor 3

Feature	DWP	Competitor 3
Legal & Regulatory
OCC Federal Bank Charter Highest-tier US banking regulation	✓	✕
Qualified Custodian (SEC 206(4)-2) Required for proper RIA asset custody	✓	~
Fiduciary Investment Advice Legal obligation to act in your best interest	✓	✕
Bankruptcy Remoteness Assets isolated from the firm’s balance sheet	✓	✓
ERISA Compliant Custody Approved to hold 401(k) and pension assets	✓	✕
“Specie” Insurance Policy Covers physical loss or theft of private keys	✓	✓
No Rehypothecation Your assets are never lent out without consent	✓	✓
Security & Governance
FIPS 140-2 Level 3 HSMs Hardware security modules	✓	~
On-Chain Segregation Dedicated addresses, verifiable on-chain	✓	✕
Biometric “Proof of Intent” Video/facial auth for large withdrawals	✓	✕
Quorum-Based Governance M-of-N signatures to authorize movements	✓	✕
Address Whitelisting Assets only sent to pre-approved wallets	✓	✕
Financial Utility & Yield
Unified Stock + Crypto Management Both asset classes in one strategy	✓	✕
Managed DeFi Yield Strategies Staking, LP, governance with controls	✓	~
Crypto-Backed Lending Borrow against BTC/ETH without selling	✓	✕
Fractional Share Trading Invest exact dollar amounts into any asset	✓	✕
Tax Intelligence
Cross-Asset Tax-Loss Harvesting Sell crypto losses to offset stock gains	✓	✕
Specific Lot Identification Sell highest-cost lots first to minimize tax	✓	✕
Direct Indexing Custom stock baskets for tax efficiency	✓	✕

vs. Competitor 4

Feature	DWP	Competitor 4
Legal & Regulatory
OCC Federal Bank Charter Highest-tier US banking regulation	✓	✕
Qualified Custodian (SEC 206(4)-2) Required for proper RIA asset custody	✓	✕
Fiduciary Investment Advice Legal obligation to act in your best interest	✓	✕
Bankruptcy Remoteness Assets isolated from the firm’s balance sheet	✓	✕
ERISA Compliant Custody Approved to hold 401(k) and pension assets	✓	✕
“Specie” Insurance Policy Covers physical loss or theft of private keys	✓	✕
No Rehypothecation Your assets are never lent out without consent	✓	~
Security & Governance
FIPS 140-2 Level 3 HSMs Hardware security modules	✓	✕
On-Chain Segregation Dedicated addresses, verifiable on-chain	✓	✕
Biometric “Proof of Intent” Video/facial auth for large withdrawals	✓	✕
Quorum-Based Governance M-of-N signatures to authorize movements	✓	✕
Address Whitelisting Assets only sent to pre-approved wallets	✓	✕
Financial Utility & Yield
Unified Stock + Crypto Management Both asset classes in one strategy	✓	✕
Managed DeFi Yield Strategies Staking, LP, governance with controls	✓	✕
Crypto-Backed Lending Borrow against BTC/ETH without selling	✓	✕
Fractional Share Trading Invest exact dollar amounts into any asset	✓	✕
Tax Intelligence
Cross-Asset Tax-Loss Harvesting Sell crypto losses to offset stock gains	✓	✕
Specific Lot Identification Sell highest-cost lots first to minimize tax	✓	✕
Direct Indexing Custom stock baskets for tax efficiency	✓	✕

What We Actually Do

Most firms are either a crypto platform or a wealth manager. We handle both, because your financial life doesn't live in separate buckets.

Custody Through a Federal Bank Charter

DWP partners with Anchorage Digital to custody crypto, the first federally chartered crypto bank in the US. Traditional securities go through Altruist. Both are bankruptcy-remote, segregated, and insured. This is not an exchange holding your coins in an omnibus wallet.

Unified Portfolio Management

We manage your Apple stock and your Bitcoin in one strategy. Rebalancing, risk modeling, and reporting all happen in a single view, not two separate logins. All investment strategies carry risk, including potential loss of principal.

Crypto-Backed Lending

Work with DWP’s lending partners to borrow against your crypto without triggering a taxable sale. Your assets stay in custody. We run strict LTV analysis and benchmark rates against traditional lines of credit to help you find competitive rates. Crypto-backed loans carry liquidation risk if collateral value drops below the required threshold.

Financial Planning

Estate plans that go beyond a beneficiary form. We build technical key succession protocols, entity structures (LLCs, Trusts), and a literal “break glass” guide so your heirs can actually access your assets. We coordinate with your existing estate attorney and CPA.

Why These Details Matter

These differences have real consequences for how your money is held, taxed, and transferred.

On-Chain Segregation

Most custodians throw all client Bitcoin into one giant bucket and track ownership on a spreadsheet. If that spreadsheet gets corrupted or hacked, proving ownership gets ugly. On-chain segregation means your assets sit in dedicated addresses you can verify yourself.

Biometric Proof of Intent

If a hacker steals your password and bypasses SMS two-factor (which happens more than people want to admit via SIM swapping), they can drain a standard account. That attack vector doesn’t work when large withdrawals require video-based facial authentication.

Technical Key Succession

Most “beneficiary” forms at traditional firms just transfer legal ownership. They don’t teach your spouse how to access a hardware wallet or navigate a custody interface. Legal ownership means nothing if nobody can find the keys.

Comprehensive Insurance

Most exchanges carry “crime insurance” that covers hot wallet hacks. That’s a specific, narrow thing. It doesn’t cover a lot of the scenarios you’d actually worry about. Coverage terms and limits vary. Ask us for the specifics.

Fiduciary vs. Broker Incentives

Custody is just storage. The real question is who’s giving you advice about what to do with those assets, and what their incentive structure looks like. A fiduciary has a legal obligation to put your interests first. A broker does not.