Schwab Digital Asset Report Reveals Where Investor Money Flows in Crypto: Bitcoin and Ethereum Dominate

A new report from financial giant Charles Schwab provides a clear map of where institutional and retail investor capital is concentrated within the digital asset ecosystem. The analysis underscores that capital allocation is highly selective, with a significant majority flowing towards established, high-market-capitalization cryptocurrencies rather than the broader altcoin market. According to Schwab's data, Bitcoin (BTC) and Ethereum (ETH) collectively command the overwhelming share of investor funds, highlighting a flight to quality and perceived stability. The report suggests that investors are treating these leading assets as core holdings within a diversified crypto portfolio, while exposure to smaller-cap tokens remains limited. This trend indicates a maturing market where participants are making clearer distinctions based on liquidity, use case, and regulatory clarity. Schwab's findings are crucial for understanding the real capital structure of the crypto market beyond mere hype and volatility.