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This is a super broad topic and is going to vary a lot by who the exploited and exploiters were and what type of society was present. I'm going to stick to Africa and the US white/black relations because that's what I am the most read up on though I am nowhere near a historian.
Generally, POC got to keep their wealth or amass it if they were performed some sort of function for whites or were not perceived as a threat which would invite confiscation. Sometimes Europeans were not interested in settling a territory but were interested in extracting capital from that territory. In such cases, Europeans would rely on a few natives to do their bidding and those natives may have even had some administrative role. Think the Dahomey raiders of Benin, the Tutsi of Rwanda, Americo-Liberians (although technically not natives). There were those like the Ethiopians who resisted conquest and colonization altogether but I don't know much about them.
When Europeans settled/colonized a land and thus extracted resources and administered that land themselves, IMO those POC's best bet to maintain wealth was to not draw white ire. In the US, black people tended to do okay in DC as there was some access to well paying federal jobs and for the most part the federal government prevented race riots in the capital city. To this day, the DC and broader DC/Maryland/Virginia area tends to hold more successful black people. There were some black enclaves in Wilmington, NC ("The place for black opportunity"); Tulsa, OK(Black Wall Street); Atlanta (Sweet Auburn) and elsewhere where black people were well off financially. They made money through commerce with other black people until that white ire befell them. The Wilmington and Tulsa Riots destroyed those black communities. Atlanta had a race riot as well though successful black communities persist there.