The Great Wealth Transfer Could Put Women in Charge — Silvina Moschini’s Unicoin Is Betting On It
In July 2025, the White House released a digital‑assets roadmap promising to usher in a “Golden Age of Crypto.” On July 30, 2025 the President’s Working Group on Digital Asset Markets — established by executive order — said America must become the “crypto capital of the world” and urged Congress to pass legislation that embraces decentralized finance and gives regulators clear authority over non‑security digital assets. It was the latest sign that digital currency has moved from the fringes of Silicon Valley into the center of federal policy.
The political embrace of crypto has already paid off for those close to power. A special report by Reuters found that the president’s sons, Eric and Donald Jr., have used their World Liberty Financial venture to sell governance tokens to foreign investors. In the first half of 2025 alone, the family collected more than $800 million from crypto sales, with potentially billions more in paper gains. The windfall illustrates how quickly wealth can accumulate in this new market — and how easily it can consolidate in familiar hands.
Silvina Moschini wants a different outcome. The Argentine‑born entrepreneur became the first Latina to lead a startup to unicorn status when her workforce‑management platform reached a billion‑dollar valuation. Now she is the co‑founder of Unicoin, an asset‑backed cryptocurrency that she envisions as a vehicle for democratizing investment. During our conversation, she said the industry has long been run by coders and traders and “doesn’t talk to normal people.” She said that has to change. “Normal people want to invest in an easy, fast way, without an operations manual,” she told me. To make that possible, Unicoin is building a token ecosystem that rewards users with experiences, from yoga retreats to Formula 1 paddock visits, for contributing content or bringing in new investors.
Her focus on accessibility is personal. Moschini recalled stepping onto the stage at the TOKEN2049 conference in Singapore this October as the only woman delivering a keynote. She used the spotlight to call for more women to become founders, investors and advocates in crypto. She said the sector’s narrow audience has been a barrier to real inclusion. “One of the main challenges I see to get more people into crypto is access to money‑making opportunities and investing,” she said. For her, the solution is an “international token for everyone” that combines investment returns with a loyalty program. She described Unicoin X, a forthcoming token, as part financial product and part community builder. Users can earn crypto by leveraging their expertise and network, then redeem those tokens for rewards or donate them to social causes.
Moschini wants to change how we think about wealth. “For many years wealth has been associated with money,” she said. “We believe that money doesn’t bring happiness, but it can enable other things.” She defines wealth in multiple dimensions: wellness, impact, passion and time to care for oneself. Her loyalty program reflects that philosophy. Investors can redeem tokens for wellness treatments or support initiatives such as animal welfare and women’s economic development. “We invest with the mindset of community,” she said. “We invest with the mindset of impact.”
This vision arrives at a pivotal moment. Fortune reports that about $124 trillion will transfer from baby boomers and older generations to heirs over the next 23 years and that women are expected to receive 70 percent of that inheritance. Yet many women lack confidence about investing; Fidelity’s 2025 Women & Money study found that one in five women still has no emergency fund and only a third have an estate plan. Moschini sees crypto as a way to empower those new asset owners, but she knows education must come first. Unicoin has already hosted investors’ academies for women and plans to expand its curriculum to cover budgeting, asset allocation and long‑term planning.
Her message resonates with broader research on gender and wealth. William Blair & Co. notes that women are creating wealth faster than at any time in history and tend to channel it toward socially responsible investments, impact enterprises and philanthropy. That tendency aligns with Moschini’s attempt to reframe crypto as a tool for good. She believes that if more women understand crypto wealth, they will use it to drive positive change — and that, in turn, will help shift the industry’s image from speculative playground to instrument of empowerment.
Moschini’s optimism doesn’t blind her to the sector’s challenges. She mentions cumbersome exchanges and clunky wallets. “Engineers need communications people and user‑experience people to do a good job,” she said, noting that many platforms are “cumbersome” and “not even nice to see.” She argues that people will only adopt digital assets when buying them is as simple as using a payment app. She also champions stablecoins and central bank digital currencies because they make international transfers cheap and fast. A pilot by the Bank for International Settlements found that CBDCs can cut cross‑border payment times from days to seconds and reduce costs by up to 50%. Those efficiencies could matter most for women sending remittances or running global businesses.
Regulation is another hurdle. Moschini criticized the Securities and Exchange Commission under former chair Gary Gensler for what she called a “war on crypto.” The Trump administration’s digital‑asset plan, recommends a fit‑for‑purpose market structure and urges regulators to provide clarity on trading, custody and record‑keeping. She believes clear rules will encourage entrepreneurs to build in the United States rather than flee abroad. Still, she warns that policy must not become a tool for insiders.
Moschini’s own commitment to transparency is costly. Unicoin is registered in the United States and provides audited financial statements. She said the company spends millions on compliance because she wants to set a precedent. “If they want to attract entrepreneurs, they have to take care of the matters they left behind,” she said, referring to unresolved regulatory issues.
The stakes are high. Crypto may not yet be the great equalizer, but its potential is vast. Digital assets can make remittances cheap, open venture capital to new audiences and let people invest in projects that reflect their values. If the coming wealth transfer puts trillions into women’s hands, platforms that combine education, accessibility and impact could reshape finance. Silvina Moschini is betting that a token backed by real assets, guided by clear rules and wrapped in a community of educators and creators will prove that crypto can be more than a game for insiders.
In an industry prone to hype and headlines, her insistence on simplicity, integrity and purpose offers a different story — one in which the great wealth shift empowers those who have long been left out. Toward the end of our conversation, she reflected on the importance of representation. “We cannot be what we cannot see,” Moschini said. “I have a responsibility to show any girl or woman out there that this is for them.”
