Treated as an asset class,not a lottery.
Digital asset advisory, custody guidance and lending, handled seriously. Sized deliberately, held safely and understood before it is bought.
Most money lost in crypto is not lost to the price. It is lost to a forgotten key, a failed exchange, a lender that could not pay, or a tax bill nobody planned for. The risk is mostly operational, and operational risk can be managed.
Four ways crypto portfolios go wrong.
None of them is about picking the wrong coin.
Custody
Whoever controls the keys controls the asset. Lose them, or trust the wrong party with them, and there is no appeal.
Counterparty
Exchanges, platforms and lenders can fail. Assets left with them are claims on a company, not coins in your hand.
Tax and compliance
India taxes crypto harshly and checks reporting closely. Poor records turn a gain into a dispute.
Sizing and behaviour
An oversized position held through a 70% fall is the commonest way to lose real money. Sizing is decided in advance, not in the moment.
A small number of decisions, made carefully.
We advise on what to hold, how much, and how to hold it. We do not trade for you, and we do not chase what is trending.
Core assets
Bitcoin and EthereumThe longest-established digital assets, with the deepest markets and the most mature custody options. For most investors, this is the whole portfolio.
Allocation relative to your wider wealth, entry in stages rather than all at once, and a rebalancing rule agreed in advance.
Wider digital assets
Selective, and smallFor investors with a specific view and the appetite to lose the money. Treated as a small, capped satellite position, never the foundation.
Liquidity, who controls the project, how the token is issued, and whether it is likely to exist in five years. Most do not pass.
Stablecoins
Digital cash, with caveatsA practical way to hold cash inside the crypto system between decisions, or to move value across borders.
Who issues it, what backs it, how it has behaved under stress, and what legal protection you actually have if it breaks.
Where it is held matters more than what it is.
We advise on the choices. We never hold your keys, your coins or your cash.
Custody advisory
Exchange, self-custody or institutional custodian: the trade-offs of each, a setup you can actually operate, and a recovery plan so the assets are not lost if you are.
Succession for digital assets
Your family cannot inherit what they cannot access. We help document access arrangements securely, alongside your will and legal advisers.
Borrowing against holdings
Credit secured on crypto can free up cash without selling. It also introduces liquidation risk and lender risk, so we look at loan-to-value, triggers, the lender’s own solvency and what happens in a fast fall.
Taxed heavily, regulated lightly.
The tax treatment is strict, while the protections many investors assume do not exist. Both belong in the plan from day one.
Flat tax on gains
Profits are taxed at a flat rate, with only the cost of acquisition deductible.
Losses stand alone
A loss on one asset cannot be set against a gain elsewhere, or against other income.
Tax at source
Tax is deducted on transfers. It is creditable, but it affects cash flow and trading frequency.
Disclosure and records
Penalties apply for incorrect or missing reporting. Clean records from the first transaction avoid disputes later.
Crypto is not regulated as a security in India, so the investor protections you rely on elsewhere do not apply. Tax rules are updated often. We plan around the current position and work with your chartered accountant on filings.
An amount you can lose entirely.
That is the test for the whole allocation. If a total loss would change your life, the position is too big.
A ceiling. A maximum share of your wealth, written down and not revised during a rally.
A way in. Staged entry over time, rather than one purchase at one price.
A way to rebalance. A rule for trimming after a surge and for what to do after a fall, agreed in advance.
We do not forecast prices, recommend tokens on a tip, or take part in new launches. If a pitch sounds like a lottery ticket, we say so.
Asked before every first meeting.
If yours is not here, ask it on the call.
Is crypto legal in India?
Holding and trading digital assets is not prohibited, and gains are taxable. It is not regulated like securities, and the rules can change, which is one reason to keep positions modest.
Do you hold or trade my crypto?
No. We advise and you act. Assets stay in accounts and wallets that you control, and we never hold your keys or your money.
Will you recommend specific coins?
We discuss what belongs in a portfolio and why. For most investors the answer is a small, simple holding. We do not recommend tokens on momentum or promotion.
Should I borrow against my crypto?
Sometimes, and carefully. Borrowing against crypto can work, but it carries liquidation and lender risk. We assess the terms and tell you what the worst case looks like before you commit.
What does your advice cost?
The same single fee as our other portfolio advisory: 2.5% per annum of assets under advice, paid by you. Every asset class in your portfolio is advised on the same terms, so we have no reason to favour one over another.
Let’s size it properly.
Thirty minutes, no cost, no obligation. You will get an honest view either way.