When 24-year-old Toronto developer Lucas Miller bought his first fraction of Bitcoin in 2020, he didn’t think he was investing — he was “just testing code.”

Today, Lucas runs a small NFT design studio that earns in Ethereum and converts profits into stablecoins. He’s part of a growing cohort of Canadians under 30 who are quietly amassing real wealth — not in stocks or property, but on the blockchain.

While Lucas is a fictionalized person, he is a representative of a growing number of Gen Z investors whose wealth isn’t measured in real estate or retirement accounts but through digital, mobile and often anonymous accounts. Their portfolios live on decentralized exchanges…