Diversifying corporate assets: the role of digital assets in a modern strategy

Managing corporate cash is not only about keeping it in a bank account. With inflation and often insufficient returns, more business leaders are seeking to diversify their assets to protect and grow their resources.

Among modern options, digital assets (such as stablecoins, thematic baskets, or staking) are becoming increasingly important. They don’t replace traditional placements but complement them by bringing yield, liquidity, and innovation.

The limits of an all-banking strategy

Most companies still keep their cash in traditional bank accounts or term deposits. This approach is safe, but it has drawbacks:

• Low yield: banks rarely offer more than 1–2%, while inflation remains higher.
• Loss of value over time: cash loses purchasing power, limiting future investments.
• Lack of flexibility: traditional products don’t always allow quick mobilization of cash.

To remain competitive, companies must explore modern alternatives.

Traditional financial options: funds and bonds

Even before crypto, there were solutions to diversify cash management:

• Money market funds: invest in short-term instruments and offer slightly higher yields with strong liquidity.
• Bonds: government or corporate bonds provide higher yields (often 2–4%) with medium-term horizons.
• Negotiated term deposits: some banks still offer blocked deposits for better rates.

These options are stable and regulated but can lack dynamism, especially for growing companies.

Digital assets as a new diversification path

Digital assets are emerging as a complementary tool in a modern treasury strategy. They bring key advantages:

• Stablecoins: pegged to the euro or dollar, they allow value storage while generating 5–7% annual yields through secured savings pools.
• Staking: by locking certain cryptocurrencies, companies can generate passive income. Properly managed, it’s a solid diversification tool.
• Thematic baskets: grouped portfolios of selected cryptos, targeting specific sectors (blockchain infrastructure, DeFi, sustainable innovation), allow diversified exposure with reduced risk.

These don’t replace banks or funds but add a performance lever while maintaining liquidity and accessibility.

Conclusion

Diversifying assets is no longer a luxury but a necessity for modern businesses. By combining traditional placements (funds, bonds, deposits) with digital assets (stablecoins, staking, thematic baskets), leaders can protect their cash from inflation and optimize returns.

Digital assets, when integrated into a secure and balanced strategy, are a real opportunity for companies that want to anticipate the future and strengthen competitiveness.

Frequently asked 🤔

Why should a company diversify its treasury?

Keeping all cash in banks risks losing purchasing power due to inflation. Diversification helps protect value and earn additional returns.

Are digital assets suitable for SMEs?

Yes, if they choose simple and transparent solutions. Stablecoins, pegged to the euro or dollar, are a good entry point with attractive yields accessible even to smaller businesses.

What are the risks of crypto for companies?

Like any asset, there is volatility. But by choosing stable digital assets (stablecoins) or structured products (savings pools, simplified staking), risks can be reduced. The key is diversification.

How to integrate digital assets into a global strategy?

It’s recommended to allocate only a portion of cash (e.g., 5–15%) to digital assets while keeping a secure base in banks or traditional funds. The goal is balance between safety and yield.

Are digital assets compliant with regulation?

Yes, increasingly so. The European MiCA framework strengthens transparency and security. Companies must work with compliant providers and check the tax rules on generated income.