What Large XRP Holders Pay for Custody at Digital Wealth Partners #
Fee questions make people uncomfortable because nobody wants to find out they’re overpaying. With institutional custody, the answer is less straightforward than “here’s the rate.”
Digital Wealth Partners uses tiered custody fees based on assets under management. The structure works like most wealth management firms. The more you bring, the lower your percentage rate. Someone holding $500,000 pays a higher percentage than someone holding $5 million.
How the Fee Structure Actually Works
The base custody fee comes from AUM. This covers secure storage, insurance, regulatory compliance, and basic account administration. Your assets sit at Anchorage Digital with institutional infrastructure, and you’re paying for that infrastructure plus Digital Wealth Partners‘ advisory services as a registered investment advisor.
Large XRP holders benefit from economies of scale. When you’re holding millions in digital assets, the percentage drops because the fixed costs of account administration get spread across a larger base. The work to custody $2 million isn’t twice the work to custody $1 million, so the fee structure reflects that.
Additional services cost extra. Active portfolio management, frequent rebalancing, yield generation strategies, and detailed reporting all increase fees beyond basic custody. If you’re just holding XRP and want minimal activity, you pay less than someone using algorithmic trading strategies or participating in DeFi protocols.
Fixed planning fees sometimes apply depending on what you need. Estate planning coordination, multi-entity structuring, or complex tax strategy work might trigger separate charges beyond the AUM-based fee.
Transaction fees exist but run lower than what you’d pay on exchanges. Moving assets in and out of custody, rebalancing between different holdings, or executing trades all have associated costs. These fees stay reasonable compared to retail exchange pricing, but they’re not zero.
Why Exact Numbers Aren’t Published
Digital Wealth Partners doesn’t publish a flat rate schedule because fee structures vary across clients. Someone with $10 million sitting passively in custody pays differently than someone with $2 million actively managed across multiple strategies.
The firm customizes based on complexity, service level, and what you’re trying to accomplish. A family office coordinating multiple entities and generations pays differently than an individual investor with straightforward holdings.
When you talk to Digital Wealth Partners about onboarding, they’ll walk through the fee schedule specific to your situation. Account structure, custody arrangements, service requirements, and asset levels all factor into the final pricing.
What Drives Costs Up or Down
Your fee depends on several variables. Asset level is the most obvious one. Bring more, pay a lower percentage.
Service intensity matters. Passive custody with quarterly reporting costs less than active management with daily oversight and algorithmic trading strategies. If you want hands-off storage, you pay for hands-off storage. If you want comprehensive wealth management with frequent activity, you pay for that level of attention.
Entity complexity affects pricing. A single LLC holding XRP is simpler than three family trusts with different beneficiaries, each requiring separate reporting and compliance work.
The custody infrastructure itself has embedded costs. Anchorage Digital provides FIPS-validated HSMs, segregated wallets, crime insurance, and bankruptcy-remote protection. That infrastructure costs money to maintain, and those costs get passed through as part of the custody fee.
Comparing to Other Options
Self-custody with hardware wallets like D’Cent eliminates ongoing fees. You pay once for the device and you’re done. No annual percentage charges. No management fees. Just you and your keys.
The tradeoff is you lose insurance, professional key management, regulatory compliance infrastructure, and recovery processes if something happens. For some XRP holders, that tradeoff makes sense. For others managing significant wealth, institutional custody justifies the cost.
Exchange custody is typically free but offers no insurance and questionable security. Your assets mix with everyone else’s. If the exchange fails, you’re an unsecured creditor. The apparent savings disappear if you lose everything in an exchange collapse.
When the Fees Make Sense
Institutional custody fees make economic sense when the value of insurance, professional management, and regulatory compliance exceeds the cost of paying for those services.
If you’re holding 100,000 XRP or $500,000 in digital assets, the fee percentage applied to that base might feel expensive compared to free exchange storage. But if something goes wrong with the exchange, you lose everything. The custody fee looks cheap in retrospect.
Large XRP holders often reach a point where managing keys themselves creates more risk than paying for institutional infrastructure. The operational burden, security responsibility, and estate planning complications of self-custody eventually outweigh the fee savings.
Getting Your Specific Quote
The only way to know your exact fee structure is talking to Digital Wealth Partners directly. They’ll evaluate your assets, service needs, and account complexity, then provide specific pricing.
That conversation covers not just the custody fee but the full picture of what you’re paying for. Advisory services, reporting, transaction costs, and any additional planning fees all get disclosed upfront before you sign anything.
Digital Wealth Partners operates as a registered investment advisor under fiduciary duty, which means fee disclosure is mandatory and transparent. You’ll know exactly what you’re paying before assets move into custody.
For families managing complex wealth beyond just digital assets, Digital Ascension Group provides family office services that coordinate custody arrangements, multi-generational planning, estate strategy, and tax optimization across all holdings. This extends beyond the RIA services Digital Wealth Partners provides into comprehensive financial coordination.
Contact Digital Ascension Group to learn how our family office services can coordinate your complete financial picture.
