Have you found yourself closely tracking gold and crypto markets, only to hesitate when it’s time to make a move?

You’re not alone. In today’s environment, where both gold and Bitcoin are trading near all-time highs, many investors, whether crypto-native or traditional, are grappling with the same question: Should I enter the market now in case prices climb higher, or wait for a potential pullback?

We’ve been sharing research that outlines the rationale behind a “Long $BTC and Long $XAUm” digital asset portfolio for several months now, supported by a series of insights that reflect our conviction in this hybrid strategy. At the core of our thesis is the belief that politically neutral, non-debt assets like gold and Bitcoin are foundational to sound money in the years ahead. This conviction is now being echoed by some of the most respected voices in asset management. Just last week, billionaire investor Ray Dalio suggested that investors consider allocating up to 15% of their portfolios to gold and Bitcoin as a hedge against rising global uncertainty. The “what” is becoming increasingly clear—but the “when” remains a source of anxiety for many investors. In volatile markets, timing mistakes can be costly.

At Matrixdock, we believe there’s a more disciplined approach that combines long-term conviction with effective risk management and execution. That’s why we’re proud to introduce our latest innovation: the $BTC + $XAUm Dollar-Cost Averaging (DCA) Feature, powered by real-world asset (RWA) tokenization and grounded in time-tested investment principles like portfolio diversification and dollar-cost averaging.

In our previous article, “Long $XAUm and Long $BTC,” we explored the portfolio diversification benefits of this hybrid allocation. Today, we’re diving deeper into a second, equally critical layer: market timing.

Timing the market, especially at elevated price levels, is notoriously difficult. That’s where Dollar-Cost Averaging becomes a valuable ally. By investing a fixed amount at regular intervals, daily, weekly, or monthly, DCA helps smooth out volatility and lowers the risk of buying all in at market peaks.

It’s a classic strategy used by both traditional and digital-native investors, and now, enhanced through tokenization, it becomes even more accessible, flexible, and efficient.

A Balanced Long $BTC + Long $XAUm Portfolio with Dollar-Cost Averaging (DCA) Strategy

Earlier this year, Matrixdock launched a DCA service for tokenized gold via $XAUm, a digital asset backed 1:1 by one troy ounce of 99.99% LBMA-accredited gold, securely stored and independently audited (see latest physical reserve audit report). This offering enabled both crypto-native and traditional investors to build on-chain gold exposure while benefiting from enhanced composability, liquidity, and collateral efficiency.

Now, we’re taking this innovation one step further with the launch of the $BTC + $XAUm DCA Strategy, starting with a 50/50 allocation, designed for investors seeking balanced exposure to two of the most important non-sovereign assets in modern finance.

Below is a chart simulating a portfolio that's built with a “$BTC and $XAUm DCA strategy” that allocates $1,000 per week and compares its results with a single asset investment:

• 100% Bitcoin

• 100% XAUm (tokenized gold)

• 50% Bitcoin / 50% XAUm Portfolio

  

Key Observations:

• Benchmark 1: The 100% Bitcoin portfolio (yellow line) delivered the highest terminal value—i.e., simulated end value of the portfolio by the end of June 2025, reflecting Bitcoin’s strong rally during the period, but with greater volatility throughout, particularly during March to May.
  

• Benchmark 2: The 100% XAUm (gold) portfolio (red line) showed a smoother, more stable growth trajectory, occasionally outperforming both BTC and the blended strategy mid-cycle (March to May), especially during Bitcoin pullbacks. We recognize the unique macro factors during the strong performance of gold, driven by strong central bank demand, Trump’s tariff wars, and a global shortage of physical gold, driven in part by the elevated number of futures contracts opting for physical delivery on COMEX.
  

• The 50/50 blended BTC/XAUm portfolio (green line) consistently tracked between the two assets, capturing upside momentum from Bitcoin while benefiting from the relative price stability of gold. This hybrid strategy smoothed out drawdowns, reduced portfolio volatility, and still achieved a strong cumulative return, closely tracing Bitcoin's performance with less risk. This portfolio illustrates how real-world asset (RWA) token like XAUm, may help in constructing more resilient and capital-efficient portfolios on-chain.

Powered by RWA Technology, Designed for Modern Investors

As you can see through real-world asset (RWA) tokenization, investors can now own and manage digital gold and Bitcoin side by side, rebalance seamlessly across chains, and do so with unprecedented transparency and enhanced efficiency. By eliminating repetitive manual processes, siloed infrastructure, and complex reconciliation procedures, Matrixdock’s DCA service makes sophisticated portfolio strategies accessible to a broader range of users.

This is more than just an excursion strategy, it’s a tangible demonstration of how tokenization can transform portfolio construction and promote financial inclusion. What was once reserved for institutional-grade systems is now delivered on-chain, with speed, scale, and simplicity.

Key features can be found here: (Link to Gitbook)

At Matrixdock, we’re proud to continue building at the intersection of real-world assets and decentralized finance. For investors navigating today’s macro environment, the Long $BTC + Long $XAUm DCA strategy presents an alternative among other capital-efficient on-chain finance strategies.

Disclaimer:

This content is for informational purposes only and does not constitute investment advice, an offer to sell, or a solicitation to buy any digital assets. This article may contain forward-looking statements based on current beliefs, expectations, and assumptions. These statements are not guarantees of future performance and are subject to risks, uncertainties, and other factors—some of which are beyond our control—that could cause actual outcomes to differ materially from those expressed or implied. Past performance is not indicative of future results. Investors should carefully consider their investment objectives and risk tolerance before making any investment decisions. Any references to Bitcoin, gold, or related market trends are provided solely for general informational purposes and do not represent the performance, risk profile, or suitability of any specific product or token.