How to Start Investing in Cryptocurrencies in 2025

Investing in cryptocurrencies in 2025 can bring high growth potential, with contributing factors such as decentralization and their ability to diversify a portfolio. However, don’t forget the risks, including volatility, regulatory changes, and cyberattacks. Secure storage of assets is therefore essential.

Before buying your first cryptocurrency, understand the basics: what blockchain is, how a digital wallet works, what volatility means, and how to identify a secure platform.

If you’re wondering how to invest in cryptocurrencies, start with a small amount (e.g., 1–10% of your monthly salary) and always keep learning about how the market and blockchain work. The market evolves quickly, so you should always follow the trends.

Ways to start investing in cryptocurrencies:

• Investment platforms: They can be the safest way to automatically diversify investments across the entire crypto market with professional management and secure storage. For example, with Fumbi, you don’t need technical knowledge or to set up your own wallets. With Fumbi, you invest in crypto easily, in just a few clicks.
• Buying on exchanges: Direct purchase of cryptocurrencies such as Bitcoin or Ethereum. If you’re looking for how to buy cryptocurrencies on an exchange, choose a verified platform.
• Staking: Earn regular rewards by locking your cryptocurrencies.
• Direct purchase and HODL: Long-term holding for value growth.
• Airdrop: Free acquisition of a new cryptocurrency (token) by meeting certain conditions, often used to promote new projects.
• Crypto trading: Actively buying and selling cryptocurrencies to profit from short-term price movements.
• Online brokers: You can also buy cryptocurrencies through online brokers, who let you earn from price changes without directly owning them.

For beginners, it’s best to focus on buying cryptocurrencies through investment platforms, which simplify the process and minimize risk thanks to algorithms and real-time portfolio optimization. One such platform is Fumbi.

Why You Should Start Investing in Cryptocurrencies

Today, according to CoinGecko, there are over 18,000 cryptocurrencies worldwide, with new ones still being created. It’s estimated that the 20 largest cryptocurrencies hold up to 90% of the total market capital. However, the market is still in its early stages, and experts expect it to continue developing. This means that crypto can be a great opportunity to grow your available funds. In our article, we’ll introduce several methods of how you can start buying and investing in cryptocurrencies.

Cryptocurrencies have undergone an incredible journey over the last decade. From marginalized enthusiast projects, they’ve entered mainstream awareness and become a trusted asset class. Bitcoin, Ethereum, and other leading cryptocurrencies have experienced dramatic value growth, often by several hundred percent.

Take the famous Bitcoin (BTC) as an example. Looking at its price development according to CoinMarketCap, at the beginning of 2017 the price of one BTC was around 4,200 USD, and by the end of the year it had risen to approximately 13,700 USD. Eight years later, at the beginning of 2025, the price of one BTC was already over 93,500 USD, and in August 2025 it even surpassed 124,000 USD.

3 main reasons to start investing in cryptocurrencies

• High growth potential – Cryptocurrencies are known for their volatility (sharp price movements), and while this brings certain risks, it also offers extraordinary potential for high profits. With increasing adoption and innovations in blockchain technology, the values of many cryptocurrencies may continue to rise. For people who want to get started with crypto and are willing to accept higher risk for higher returns, this is a key advantage. If you’re wondering how to start with crypto, this potential is one of the main attractions.
• Decentralization and independence from banking systems – Cryptocurrencies are mostly decentralized. This means that they’re not controlled by any central authority (banks, governments). This independence from the traditional financial system is attractive for investors looking for alternatives to inflation-affected fiat currencies and who value the transparency and security provided by blockchain technology. That’s why it’s important to know how to buy cryptocurrencies on reliable platforms. You can read more about this in our article Buying and Selling Cryptocurrencies: Where and How to Buy Best.
• Portfolio diversification – Adding cryptocurrencies to your investment portfolio can be a smart move. It helps diversify risk because cryptocurrencies often don’t behave the same way as traditional investments, such as stocks or bonds. In practice, this means that even if stocks fall, cryptocurrencies may not – and vice versa. Thanks to this, your overall portfolio can become less risky and potentially more profitable. If you’re considering investing in cryptocurrencies to diversify your risk, this is truly a strong reason.

Risks Associated with Investing

If you want to know how to start investing and trading cryptocurrencies, you also need to consider some of the risks that come with these investments.

The cryptocurrency market is known for its high volatility, meaning that prices can fluctuate dramatically within a short period of time. This can naturally lead to significant losses, though usually only in the short term.

Another risk is regulatory changes. Within the EU, however, there has been a major shift – the MiCA (Markets in Crypto-Assets) regulation introduces a unified legal framework for all member states. It applies directly and equally across all EU countries, without the option of national modifications to the core rules.

Last but not least, there are also cyber threats, which represent a very serious risk. If you want to know how to start investing in cryptocurrencies or how to buy crypto, you should also learn more about these real dangers.

Wallets and exchanges are often the target of hacking attacks, which can sometimes lead to the loss of your funds. That’s why before investing, you should choose a reliable partner for the management and storage of your cryptocurrencies. At Fumbi, for example, we use state-of-the-art Fireblocks technology – a leader in secure custody. You can also read about our top priority, security, in our article – Fumbi Successfully Passed Penetration Tests.

Investing and Buying Cryptocurrencies vs. Traditional Forms of Investing

Before learning how to buy cryptocurrencies, it’s also worth doing a short analysis and comparison with traditional investment tools. The most common ones people are familiar with include:

• ETF funds (Exchange-Traded Funds) – funds that track the performance of a specific index, sector, or asset class and are traded on exchanges much like stocks.
• Mutual funds – managed investment portfolios that pool money from multiple investors and invest it into stocks, bonds, or other assets.
• Bonds and stocks – classic instruments that provide returns either in the form of interest (bonds) or dividends and capital appreciation (stocks).
• Real estate – investments in physical assets such as apartments, houses, or land.

In our article Where and How to Invest Money Best? you’ll learn more about the basics of investing as well as how to get started with investing in general.

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Cryptocurrencies vs. Traditional Investments: Why Is It Worth Investing in Crypto?

Let’s take a look at why you might be interested in how to start investing in cryptocurrencies and what advantages they have compared to traditional investment tools.

• High profit potential – Cryptocurrencies can generally offer much higher returns in a shorter time, but keep in mind that this also comes with higher risk.
• Independence – As mentioned before, they are decentralized, meaning no government or bank controls them.
• Easy accessibility – Learning how to buy cryptocurrencies today is much easier than you might think.
• 24/7 market – The crypto market operates continuously, so you can invest in, sell, or trade cryptocurrencies anytime you want.
• Innovative technology – By investing in cryptocurrencies, you also support cutting-edge technologies such as blockchain.

Who is cryptocurrency investing suitable for?

Today, figuring out how to start investing or trading cryptocurrencies is a big attraction for many people. However, it goes hand in hand with having an interest in new technologies, a willingness to learn, and understanding that high returns often come with high risk. That’s why you shouldn’t start without careful consideration. Ideally, you should view this type of investment as a long-term strategy, not as a quick way to get rich.

Investing in cryptocurrencies is worthwhile for:

• Those willing to tolerate market volatility – cryptocurrencies can fluctuate by tens of % within days.
• People with solid financial foundations – it’s important to have an emergency fund (e.g., 3–6 months of expenses), a stable income, and, most importantly, no high debts.
• Long-term investors – if you’re considering how to start investing in cryptocurrencies, think in terms of at least 3 to 5 years to minimize the impact of short-term fluctuations. This means it can be worthwhile, but it requires patience and a long-term strategy.
• Those eager to learn the basics – when investing, it’s important to have at least a basic understanding of how to buy cryptocurrencies, how to store them safely, and which projects have potential.

How much to invest in cryptocurrencies?

There is, of course, no single right number, but generally, a golden middle ground could be investing around 1–10% of your monthly income. However, it depends on whether you’re more conservative or already confident in this space and willing to invest more.

Who Should Not Invest in Cryptocurrencies

Although many people ask how to get started with crypto, the truth is that investing in cryptocurrencies is not suitable for everyone. If you are someone who has no tolerance for high risk and tends to be impulsive, it’s better to avoid this market. Market volatility can trigger panic or euphoria, which often leads to impulsive decisions – such as selling at a loss or buying at the worst possible time.

One of the most common misconceptions when asking whether it’s worth investing in crypto is the belief that it’s a way to quickly access money. In reality, this market doesn’t work that way. The crypto market is not a money machine, and anyone entering it with the sole goal of getting rich quickly usually ends up disappointed.

Discipline, the ability to think rationally, and at least a basic understanding of how this market works are essential. So, if you’re not sure how to start investing in cryptocurrencies, or if you’re hesitating about whether it’s even worth investing in crypto, it’s perfectly fine to wait and only enter the market when you’re fully prepared.

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Investing in Bitcoin or Altcoins

Bitcoin is the first and currently the most well-known cryptocurrency. It was created in 2009 and kick-started the birth of an entirely new market and investment opportunities. Bitcoin was designed as an independent financial system for transferring value. It has no central authority, is global in nature, and no one in the network has the right to censor transactions. Investing in Bitcoin is one of the most conservative ways you can start investing in cryptocurrencies today.

Ethereum is the second most well-known cryptocurrency after Bitcoin and also a platform that revolutionized decentralized applications and smart contracts. It was launched in 2015 and differs from Bitcoin in that, in addition to storing value, it allows developers to build decentralized applications (dApps) directly on its network. Ethereum is a dynamic ecosystem that plays a key role in the development of DeFi (Decentralized Finance), NFTs, and Web3 technologies. If you’re looking for a way to start investing in crypto, Ethereum is one of the most popular altcoins beginners often choose. Just like with Bitcoin, it’s important to know how to buy cryptocurrencies through trusted platforms or exchanges and how to store them safely.

Cardano is a blockchain platform with a strong focus on research-driven development and security. It was designed to provide a safer and more scalable infrastructure for dApps and smart contracts. Its processes are based on scientific methods and peer-reviewed studies. For those looking to start with a cryptocurrency that has a long-term vision and a strong emphasis on stability, Cardano can be an attractive choice.

Solana is a modern cryptocurrency that has gained investor attention thanks to its high speed and efficiency. Its official launch took place in March 2020. Unlike older blockchains, which often struggle with slow transaction processing, Solana can process thousands of operations per second with minimal fees. This is why it has become a popular platform for various decentralized applications, financial protocols, and NFT marketplaces. Although its price can change quickly and sharply, for those considering how to invest in crypto with a longer-term horizon, it can be an interesting complement to more traditional assets such as Bitcoin or Ethereum.

If you are not fully familiar with cryptocurrencies but want to start investing in them, it is important to choose the right investment partner. But what is essential when making the right choice?

First and foremost, it’s crucial to check who you will be investing with – if a company promises guaranteed or assured returns, you should take it as a warning. Cryptocurrencies are highly volatile, and claiming to deliver a certain profit is misleading. Instead, choose a reliable partner who truly understands cryptocurrencies. At Fumbi, there is a team of excellent crypto experts you can trust.

You should also pay great attention to the custody of your cryptocurrencies. Lost wallet keys or hacking attacks on exchanges have already cost people hundreds of millions of euros. With Fumbi investing, you have one less worry – Fumbi uses the Fireblocks platform, which is currently considered one of the safest and most trusted crypto custody solutions in the world. With Fumbi’s products, you minimize the risks of investing in cryptocurrencies while being able to easily tap into the potential of this sector.

What Are the Options for Investing and Trading Cryptocurrencies

Investing Through Investment Platforms

Investing in cryptocurrencies through managed portfolios or funds offered by specialized platforms.

• Advantages: Simplicity, diversification (in the case of funds), professional management.
• Disadvantages: Less control over individual assets, management fees.

If you’re looking for a simple and safe way to enter the world of crypto without the need for deep market knowledge, the Fumbi Index Portfolio could be a good choice for you. It automatically diversifies your investments into a portfolio of cryptocurrencies based on a predefined algorithm, minimizing risk and maximizing growth potential. For more experienced investors who want to take greater control over their portfolio and apply specific strategies, Fumbi also offers Advanced Portfolios. These portfolios allow you to invest more flexibly in selected cryptocurrencies according to your preferences and risk tolerance.

Buying Cryptocurrencies on Exchanges

Direct purchase of cryptocurrencies such as Bitcoin or Ethereum through crypto exchanges like Binance or Coinbase.

• Advantages: Direct ownership of the asset, potential for high profits if prices rise.
• Disadvantages: High volatility, responsibility for your own security, regulatory risks.

Staking

Staking is the process of “locking” a certain amount of cryptocurrencies in your wallet or on a staking platform. By doing this, you support the operation and security of a blockchain network (especially Proof of Stake networks) and, in return, you earn rewards in the form of additional cryptocurrencies.

• Advantages: Regular rewards, network support.
• Disadvantages: Cryptocurrency is locked, risk of loss in the value of the staked crypto.

Invest in the Staking Portfolio and earn an expected annual reward of 5–7% directly in cryptocurrencies. With us, you don’t have to worry about any entry or annual fees. Rewards are credited to you every week, so your funds are constantly working. Registration is simple and fast.

Direct Purchase and Holding of Cryptocurrencies (HODL)

This is the most basic method. You simply buy selected cryptocurrencies (for example, Bitcoin) on a crypto exchange and hold them with the goal of profiting from their long-term value growth.

• Advantages: Simplicity, long-term potential, low fees.
• Disadvantages: High volatility, need for self-custody, no regular rewards.

Airdrops

Airdrops are free distributions of new cryptocurrencies (tokens) into the wallets of existing holders of other cryptocurrencies or users who meet certain conditions (e.g., using a specific application). They are often used to promote new projects.

• Advantages: Potential free profit, a way to discover new projects.
• Disadvantages: Uncertain gain, risk of scams, time-consuming to find.

Crypto Brokers

These platforms allow trading with cryptocurrencies, but often you don’t directly purchase the underlying asset (the cryptocurrency). Instead, you trade CFDs (Contracts For Difference) or other derivatives.

• Advantages: Regulation, easy to use, access to other assets.
• Disadvantages: You don’t own the cryptocurrency, higher spreads/fees, leverage risk.

Cryptocurrency Trading

In trading, you actively buy and sell cryptocurrencies to profit from their short-term price movements. Traders use various analyses (technical, fundamental) to predict future price developments.

• Advantages: Potential for quick profits, flexibility.
• Disadvantages: High risk, time-consuming, high fees.

You can read more about the options for buying, investing, and trading in our article Buying and Selling Cryptocurrencies: Where and How to Buy Best.

How to Start Investing in Cryptocurrencies: Practical Tips

If you’ve made it this far, you probably already have some overview of how to get started with crypto. But as a summary, here are a few practical tips that will help you enter this world of investing and make your first steps without unnecessary mistakes.

• Educate yourself before your first purchase – Alongside the question of how to start investing in cryptocurrencies or how to trade them, you should also focus on the basics. Take time to study: what cryptocurrencies are, how blockchain works, and what market volatility means.
• Start with a small amount and diversify – For beginners, it’s wise to start investing in cryptocurrencies with a smaller sum. Don’t try to make big money right away. Invest in multiple projects – not just Bitcoin, but also alternative coins (e.g., Ethereum, Solana, Cardano, and others). This way, you’ll reduce risk and gain a better understanding of market dynamics.
• Choose a reliable platform for your purchase – Not all platforms and options for buying cryptocurrencies are safe. Focus on licensed, verified platforms. When choosing, pay attention to fees, user interface, and withdrawal options.

At Fumbi, we offer you the opportunity to start investing in cryptocurrencies quickly, safely, and with minimal effort.

The Fumbi Index Portfolio uses an algorithm that optimizes your portfolio daily to best replicate the market’s performance. We don’t rely on individual crypto assets – the investment is spread across the most promising projects, reducing risk and increasing stability.

We update the portfolio every three months, so you always invest only in cryptocurrencies with current growth potential. And all this with a starting investment from just €50. Start today and discover how to invest in cryptocurrencies comfortably and with confidence – with Fumbi.

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