The days when talking about cryptocurrencies seemed like science fiction are long gone. Today, even those who have never invested have heard of Bitcoin, Ethereum, stablecoins, and digital tokens. But, with so many changes in the market and so much instability in recent years, many people are wondering: Is investing in cryptocurrencies still worthwhile in 2025?

This question is more common than it seems — especially among beginner investors, who have seen cryptocurrencies rise and fall several times.

In this post, we'll discuss clearly the current cryptocurrency landscape, what has changed, the risks, the opportunities, and what you need to consider before investing in this type of asset.

What changed from 2021 to 2025?

Between 2021 and 2022, cryptocurrencies experienced a roller coaster. After record highs, there was a sharp drop, driven by:

  • Global interest rate increase
  • Regulatory measures in various countries
  • Crises in brokerage firms (such as the FTX case)
  • Investor insecurity

Many people left the market, but Cryptocurrencies haven't disappeared.. On the contrary: By 2025, they will be more mature, regulated, and integrated into the traditional financial system.

Today, Brazil already has clear rules for the use of crypto assets, the Central Bank closely monitors the situation, and major banks and brokerage firms offer access to this market.

In other words, the environment is more professionalized — and less like the “digital Wild West” of the early 2010s.

Is it still possible to make money with cryptocurrencies?

Yes. But not in the same way as before.

Those who bought Bitcoin at R$ 5,000 and saw it rise to R$ 300,000 experienced a unique moment. Today, the market is more consolidated. Gains are more realistic—and risks remain.

You can:

  • Profiting from long-term appreciation
  • Diversify your portfolio with digital assets.
  • Using cryptocurrencies as a store of value in unstable economies.
  • Investing in projects with solid technology (such as Ethereum, Solana, Cardano)
  • Participating in decentralized solutions, such as staking or DeFi.

But it's important to understand: There is no magic formula. Anyone who promises guaranteed profits with crypto is lying.

What's trending in the crypto market in 2025?

1# Bitcoin as a store of value

Bitcoin remains the leading name in the market. Even with fluctuations, it continues to be seen as... “"digital gold"”, a protection against crises and inflation.

Many people and even companies use Bitcoin as a way to... preserving wealth in the long term.

2# Most Popular Stablecoins

Stablecoins (such as USDT, USDC, and BRL-backed tokens) have grown significantly. They their value is tied to real currency., like the dollar or real, and are used for:

  • Escaping volatility
  • Making digital payments
  • Transferring money between countries
  • Having exposure to strong currencies

Today, even ordinary Brazilians use stablecoins to save money in dollars — directly on their cell phones.

3# DeFi (decentralized finance)

By 2025, DeFi is more secure and accessible. Lending, staking, exchange, and decentralized liquidity platforms attract those seeking DeFi. profitability with autonomy.

But they still require knowledge. Not everything that glitters is trustworthy in this universe.

4# Web3 and utility tokens

Projects focused on Web 3, such as decentralized social networks, games, and creative platforms, use tokens with real functions. These tokens can increase in value as the projects grow.

But here, extra caution is needed. Lots of promises, little results. Study before you start.

Is it worthwhile for beginners?

Yes - provided that caution is exercised.

If you've never invested in cryptocurrencies, the ideal approach is to:

  • Start with small values
  • Study well the major cryptocurrencies (BTC, ETH)
  • Avoid following "gurus" or promises of quick profits.
  • To use reliable and well-supported brokers in Brazil
  • Maintain your crypto wallet as part of the diversification, not as the sole investment

With these precautions, it's possible to learn, expose yourself to the market, and... Take advantage of opportunities with more confidence.

What are the risks of investing in crypto in 2025?

1# Volatility

Even with a more mature market, prices still fluctuate considerably. In one day, Bitcoin can rise 5%. The next, it can fall 8%. This requires Emotional control and long-term vision.

2# Scams and false promises

Unfortunately, there are still many scams involving crypto. "Robots that multiply money," "miraculous mining," or "companies that pay 20% per month." All of this is false.

3# Loss of access to wallet

If you lose your wallet password and don't have a backup, you lose your assets. That's why it's essential... Keep your keys safe..

4# Regulatory risks in some countries

Although Brazil is advanced, other countries still have legal uncertainties. This could affect the global market.

Where can I buy cryptocurrencies safely?

Today, several brokerage firms are registered and monitored in Brazil. Some of the safest and most popular are:

  • Bitcoin Market
  • NovaDAX
  • Foxbit
  • Binance (with verified account and two-factor authentication)
  • Bitso
  • Coinext

Check if the company has CNPJ (Brazilian company registration number), support in Portuguese, and good reviews on Reclame Aqui (Brazilian consumer review website). Never send money to third-party accounts outside of the platform.

What precautions should be taken to invest safely?

  • Activate the two-factor authentication on the platforms
  • Don't share your password with anyone.
  • Be wary of promises of easy money.
  • Keep your access keys safe.
  • Use only official apps and websites
  • Never click on unknown links about "recovering your account".“

Safety starts with you.

And what about taxes?

Yes, you need to declare crypto on your income tax return. Even if you haven't sold any.

If you sell more than R$ 35 thousand per month, you may be subject to profit tax.

Brazilian platforms often make this process easier with automatic reports. However, if you have any doubts, it's worth seeking accounting advice.

So… is it still worth it?

If your profile is that of an investor who understands the risks, Yes. It's still worth it.

Cryptocurrencies can be a good way to:

  • Diversify your portfolio
  • Protecting part of the assets
  • Take advantage of new technologies
  • Participate in the global financial future.

But they should not be treated as "salvation" or "easy money.".

The secret lies in balance: Don't put all your money into crypto, but don't ignore this market either.

See also: How much does 20 reais in Bitcoin yield? Learn more about the cryptocurrency

April 13, 2025