In 2025, portfolio diversification has surpassed the chase for high returns as the main driver for cryptocurrency investments, according to the recent Future Finance Report 2025 by Sygnum Bank. It reports that 57% of surveyed investors now prioritize diversification over potential profits, a shift from last year’s 62% to 53% for seeking exposure to crypto’s long-term growth.

According to the report, this shows that investors are increasingly treating crypto as a core component of their portfolios rather than merely as a speculative asset. What’s more, 45% see cryptocurrencies, especially Bitcoin (BTC), as a protective asset in light of current economic uncertainties, like rising government debts and inflation.

Top reasons for investing in crypto in 2025. Source: Sygnum

Additionally, interest in cryptocurrencies as a new class of assets has dropped to 28%.

Growth in Crypto ETF Demand

The report highlights that a stable market environment and an increase in exchange-traded funds (ETFs) are fostering trust among investors. There are currently over 150 pending crypto ETF applications in the US, and roughly 70% of surveyed individuals express that they would boost their investments if future products allow staking, notably for assets like Solana (SOL).

High-net-worth investors are leading the trend, often allocating 10%-20% or more of their wealth to digital currencies. Notably, 90% of this demographic considers cryptocurrencies essential for long-term financial preservation and legacy planning.

Regulatory Barriers

Regulatory ambiguity is seen as the biggest hindrance to crypto investments, affecting 40% of those surveyed, followed by concerns over security and volatility. However, an encouraging 80% say that regulatory clarity has significantly progressed over the past year.

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