On March 12, 2025, Bitcoin plummeted 27% in a single day, and the big shots in my friend circle fell silent; meanwhile, the tokenized gold in my account quietly increased by 5% - stop getting hung up on who is the 'digital gold'; understanding 'when to buy what' is the real logic for making money.
Last year in Zurich's gold vault, the manager pointed to the wall of gold bars and said to me: 'This thing has never let anyone lose their principal from the Roman Empire to now.' But that night when I returned to the hotel, a former colleague sent a message: the Bitcoin he held evaporated a down payment in 3 hours.
This is the reality we face: on one side are the 'certain profit assets' passed down from our ancestors, and on the other side is the 'wealth creation myth' that young people are scrambling for. But what you don't know is that the smart money now no longer has to choose one or the other - they treat Bitcoin as a 'submachine gun' and tokenized gold as a 'bulletproof vest', making profits from the fluctuations.
Bitcoin: a 'get-rich-quick tool' for gambling addicts, or an 'opportunity for ordinary people to turn their lives around'?
Core truth: high returns = high risks; profits come from 'consensus money' | Core tags: decentralized · high volatility · tools for the masses.
Let me tell a heartbreaking story: my childhood friend Akai borrowed 100,000 to speculate on Bitcoin in 2021 and turned it into 380,000 in half a year, showing off his luxury car steering wheel in the group every day; but on May 19, his account went from 380,000 to -20,000—he received the liquidation text while shopping for an engagement ring.
The essence of Bitcoin has never been 'currency', but 'a consensus game'. When Satoshi Nakamoto wrote the code, he never imagined this string of numbers would become a tool for Wall Street to exploit retail investors, nor that it would become 'lifesaving money' for Venezuelans—programmer Carlos used 0.05 Bitcoin to pay rent, avoiding a 99% devaluation of the Bolívar; seaman AJ in Manila port transferred his salary via the Lightning Network, with fees 99% lower than banks, less than 1 dollar. For them, Bitcoin is not a 'casino chip'; it is a 'digital lifeboat' to break free from financial hegemony.
What’s its charm? It lies in 'not having to look at anyone's face'. Can't get a loan from the bank? No problem, Bitcoin is decentralized; can't transfer money due to foreign exchange controls? No problem, global nodes recognize it. But the cost of this freedom is 'no safety net'—central banks won't save the market, platforms may run away; one second you might be a 'new rich in crypto', and the next second you could be 'deep in debt'.
Advice for ordinary people: Bitcoin should only account for 10% of your assets, play with money you can afford to lose, and don't put your life savings at risk!
I've seen too many people fall into 'gambling': some sell their homes to go all-in, some borrow at high interest to leverage, always thinking 'I won't be the last one left holding the bag'. But remember: just as Bitcoin rises crazily, it also falls brutally—this is not investing; it's speculating. Just like in the American West of the 19th century, gold miners and bandits share the wilderness; opportunity and destruction are always two sides of the same coin.
Tokenized gold: putting 'the asset that has been profitable for a thousand years' in your pocket, with a fee of just 1 yuan.
The core truth: preserving capital is key, profits come from 'inflation-adjusted money' | Core tags: physical anchoring · low volatility · efficient circulation.
Last year I bought gold in London and almost went crazy from the complicated process: it took 2 days to verify purity, 1 day to buy insurance, and 5 days for bank clearance, totaling 8 days, while gold prices rose by 3%. But my cousin bought gold using the XAUT token, 3 taps on his phone, and the money arrived in 47 seconds, with a fee of just 1 yuan.
This is the power of tokenized gold: it combines gold's 'stability' with digital 'speed'. Each XAUT corresponds to 1 ounce of gold in the Swiss vault; what you buy is not just a number, but real gold and silver. It gives sleeping gold digital wings, retains the 'inflation-resistant hard currency' gene, and solves all the pain points of traditional gold.
Hard to divide? 1 token = 1 ounce; you can buy 0.1 ounces if you want.
Hard to circulate? Cross-chain transfers arrive instantly, faster than transferring money via WeChat.
Hard to store? No need to buy a safe; just keep it in a wallet.
But it also has pitfalls: CZ is right, 'tokenized gold relies on the issuer, not the code'. When I checked the XAUT reserve report, I saw third-party audits, not real-time on-chain data—what if the issuer runs away? What if the gold reserves are insufficient? These risks must be considered.
Advice for ordinary people: choose tokenized gold from top platforms (like XAUT, PAXG); avoid small platforms with 'air coins'; preserving capital is more important than anything!
The most profitable strategy: Bitcoin + tokenized gold, profits can be made regardless of price movements.
My practical strategy: 60% tokenized gold as a base, 30% cash on standby, and 10% Bitcoin for profits—if the Federal Reserve cuts rates in 2024, Bitcoin rises 130% and I earn pocket money; during conflicts in 2025, gold rises 15% and I preserve my principal. This is the survival strategy for retail investors.
Bitcoin (10% of assets)
Suitable scenarios: Federal Reserve interest rate cuts, tech bull market, market euphoria.
Profit logic: ride the digital economy express train and earn consensus premiums.
Risk warning: single-day volatility of 20%+, may lose all principal.
Operational tips: set a stop-loss line, and sell half when you earn 100%.
Tokenized gold (60% of assets)
Suitable scenarios: geopolitical conflicts, high inflation, economic downturn.
Profit logic: hedge against inflation + risk avoidance, earn certain returns.
Risk warning: slow growth may underperform the market.
Operational tips: dollar-cost averaging, buy more when it drops 5%, and take profit when it rises 10%.
Stop being fooled by 'big shots': ordinary people's wealth must be both 'stable' and 'aggressive'.
Why did Norway's sovereign wealth fund buy both Bitcoin and gold? Because they understand: there's no asset that will rise forever, only the right allocation that lasts. In 2024, they increased their Bitcoin holdings through Grayscale and invested $12 billion in physical gold—smart capital never bets on a single track in an era filled with black swans. Don't believe crypto big shots claiming 'Bitcoin will reach 1 million'; also don't believe gold salespeople saying 'gold can withstand all risks'; rational allocation is the way.
In 2024, during the Federal Reserve's interest rate cut cycle, Bitcoin rose 130%, and gold rose 35%; in 2025, as Middle Eastern conflicts escalated, gold broke through $3000/ounce, while Bitcoin corrected by 12%—increasing times favor Bitcoin, while crisis times trust gold; this is the cruel truth presented by the market.
To put it bluntly: your wealth shouldn't be bet on a single asset.
The XAUT commemorative coin and the paper wallet for Bitcoin in my study drawer are not 'faith', but 'tools'. Bitcoin is like a sharp knife; if used well, it can cut meat, but if used poorly, it can cut your hand; tokenized gold is like a shield—unnoticeable in normal times, but can save your life in dangerous situations.
What is the truth about wealth in 2025? It's not about who is bolder, but who can last longer. When Bitcoin crashes, you have tokenized gold as a cushion; when gold stagnates, you have Bitcoin for profits—daring to use 10% of your money to chase trends, while using 60% to protect your principal is the key to making money for ordinary people.
Stop asking 'which is better, Bitcoin or tokenized gold', just like you shouldn't ask 'which is more important, rice or vegetables'. Combining them means you won't fear the ups and downs; this is the real wealth logic behind the traffic.
In my study drawer lies a XAUT commemorative coin engraved with a blockchain address and a paper wallet for Bitcoin I bought in 2017. They are not 'faith', but 'tools'—Bitcoin is like a sharp knife; if used well, it can cut meat, but if used poorly, it can cut your hand; tokenized gold is like a sturdy shield, unnoticeable in normal times, but saves lives in dangerous times.
The core of this article: Don't bet on a single asset; use a '60% stable + 10% aggressive' allocation to safeguard wealth in the digital age.
