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Anyone who follows the financial market already knows this: cryptocurrencies are no longer just a subject for geeks or visionaries.
Today, they are in the news, in the daily lives of fintechs and, of course, in the wallets of many Brazilians.

But after so many ups and downs, one question remains in 2025:
Is it still worth investing in cryptocurrencies?

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The answer is not straightforward. Because it all depends on your profile, the timing of the market, the risks involved and, above all, of the expectations you place on this type of investment.

If you want to understand the current scenario, the positives, the risks and what to expect from cryptos this year, this post is for you.

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Let's go?

What will change in the cryptocurrency market by 2025?

In recent years, the crypto market has matured a lot. What was once viewed with suspicion is now subject to serious regulations in several countries - including Brazil.

Pix has been integrated with digital wallets that accept cryptocurrencies. Traditional banks have created their own cryptoasset funds. E large companies already accept payments with digital currencies.

What's more:

  • Blockchain has established itself as a technology in various sectors
  • CBDCs (central bank digital currencies) are getting closer and closer to reality
  • Bitcoin appreciated again after a down cycle
  • New projects have gained momentum, such as Ethereum 2.0, Solana and other scalable alternatives

In other words: the scenario in 2025 is more robust, more secure - but still volatile.

1# Cryptocurrencies remain high-risk investments

Let's be direct: Investing in cryptocurrencies is still risky.

Even with regulations, the market still is:

  • Volatile (prices rise and fall with absurd speed)
  • Sensitive to news (one tweet changes everything)
  • Influenced by global factors (such as wars, interest rates and political changes)

So if you're thinking of investing hoping to "get rich quick", start with your feet on the ground.

The crypto market can be lucrative - but it can also generate losses in a matter of hours.

2# Is it still worth it? It depends on your goal

If you want to:

  • Diversify your portfolio
  • Study the market with interest
  • Investing with a long-term vision
  • Putting up a small part of your assets

Yes, it could be worth it.

Now, if you:

  • You're in debt
  • You want to recover money fast
  • It's going to put everything it has into crypto
  • You don't know anything about it

Better to stop, take a breath and study first.

Cryptocurrency it's not a lottery. It's an investment that requires attention, patience and strategy.

3# Which currencies still have potential in 2025?

Bitcoin remains the "safe haven" of cryptos. Even with its volatility, it is the most consolidated and widely adopted currency in the world.

In addition, other currencies remain relevant:

  • Ethereum (ETH) - with the transition to the Proof of Stake model, it has become more efficient and environmentally friendly
  • Solana (SOL) - stood out for its speed and low cost
  • Polygon (MATIC) - helping to scale the Ethereum network
  • Avalanche, Cardano, Chainlink - continue with solid projects

Remember: don't invest just because you've heard about it. Do your research. Study the project behind the coin. Look at the utility, the team, the adoption and the history.

4# How to invest safely?

Even with the growth of the market, security is still a point of attention.

Basic tips to avoid headaches:

1# Use reliable and regulated brokers
Avoid unknown platforms or promises of absurd profits.

2# Activate two-factor authentication
Protect your access with strong passwords and double-checking.

3# Beware of scams and pyramids
If someone promises you a fixed return with cryptocurrency, be wary.

4# Store responsibly
Cold wallets (offline) are safer for storing large sums of money.

5# Never share your private keys
That's the master password. If someone has access, they can steal everything.

5# Crypto is still a good diversification option

You don't have to (and shouldn't) invest everything in cryptocurrencies. But Having a small slice of your portfolio in this market can be interesting.

Especially if:

  • You already have an emergency reserve
  • Regularly invests in other, more stable options
  • Accepts calculated risks in exchange for possible greater gains

Some experts suggest from 1% to 5% of its capital in crypto, depending on your profile.

See also: The new rules of the Federal Revenue Service in Brazil on the declaration of cryptocurrencies

April 9th, 2025