When I first started investing in crypto, I was worried about scams and losing my money. Figuring out what is the safest crypto to invest in is a common concern, but the truth is, as long as you secure your wallet and use trusted exchanges, your assets should be securely protected. This guide will give you context about what “safe” means in an unpredictable market, and help you to separate the promising projects from the risky ones.
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The Safest Crypto to Invest In? Here’s How the Top Coins Compare
It can be difficult to pin down the safest crypto to invest in, since cryptocurrencies – like all investments – always carry some risk. Before diving into the recommended investment options, here’s a quick look at what makes them so trustworthy:
What Makes a Cryptocurrency Truly "Safe"?
The reality is that no asset is 100% guaranteed to maintain or grow in value. Even “safe” investments carry risk. However, sticking to the well-known and trusted assets that have proven their stability over time, should give even the most conservative of crypto investors some peace of mind.
Crypto options with strong fundamentals, high liquidity, well-documented use cases and excellent infrastructure help to mitigate the risk of investment by offering a proven track record of success and clear long-term plans.
How to determine what is the safest crypto to invest in
There is no one-size-fits-all solution for secure crypto. However, paying attention to these key details should help you find the safest crypto to invest in:
- Widespread adoption– Coins that are well-known and widely accepted are easier to use and store securely, and they usually have a much stronger ecosystem. Bitcoin is considered one of the most popular cryptocurrencies in the world, and it is now accepted as legal tender in some countries.
- Transparent development – Knowing how and why an asset is performing, should help you to avoid unexpected fluctuations and poorly managed projects. Assets, like Ethereum, that feature open-source code and are audited regularly tend to be able to hold up to minor network issues.
- Long-term stability – There is no better sign that a coin is a good, strong option, than seeing it perform well over time. For example, Cardano’s slow and steady approach to research-driven growth has enabled it to achieve long-term stability.
- Regulatory compliance – Better regulatory compliance will protect your investment by reducing legal risks, increasing transparency, and signalling credibility. USDT, for example, is now listed on just about every major exchange in the world – largely because it has taken such strides towards increasing regulatory compliance in the last few years.
- Market cap – Though market capitalization is not directly tied to safety, a higher market cap is a good indication of growing adoption, higher trading volumes, and long-term viability.
Secure Your Investment With These Top 10 Coins
Chances are, you have heard more than a few suggestions for the “biggest and best” coin to purchase and hold. However, if you are interested in finding out what is the safest crypto to invest in, I suggest sticking to the classics.
Here are my picks for the ten safest crypto to invest in, right now in 2025:
1. Bitcoin (BTC)
The safest digital currency to invest in is Bitcoin. Its market capitalization comprises over half of the entire cryptocurrency market. These days, almost every asset can be traded for cryptocurrency. Bitcoin is the most accepted cryptocurrency for goods and services, making it extremely convenient to trade, invest and spend. It’s the original digital asset, the most decentralized, and the least controllable by centralized forces such as governments. For all those reasons and more, Bitcoin is the safest digital asset you can buy.
2. Ethereum (ETH)
Ethereum (ETH) is the second-largest cryptocurrency by market cap, and it is the second most secure crypto asset. Ethereum allows users to access various decentralized finance (DeFi) services. Some of the most popular services on Ethereum are Uniswap (UNI), the decentralized exchange with the most trading volume of any, and AAVE, a lending and borrowing platform. The DeFi aspect of Ethereum ensures its long-term utility, security and long-term viability.
3. Cardano (ADA)
Cardano was created by Charles Hoskinson, one of the founders of Ethereum. The main difference between this coin and Ethereum, is its unique native token system. This system enables Cardano to support a wide variety of transactions and eventually will allow for transaction fees to be paid in any asset on the network. Cardano’s network has a steadily increasing transaction speed and low fees. As an added bonus, the foundation has deals with some African governments.
4. Solana (SOL)
Solana’s growth can be attributed to its low-cost transactions that are also lightning fast, along with an array of DeFi and NFT platforms that make it effortless to use. It has emerged as a serious competitor for Ethereum and its strong ecosystem is quickly making it a favorite among serious investors. It is gaining momentum fast and has made waves with deals with reputable brands like Visa. Solana would be higher up on the list of the safest crypto to invest in, if not for the frequent network outages.
5. Chainlink (LINK)
Chainlink, the oracle darling of the crypto community, continues to be a strong asset to buy. The announcement from Vodafone Digital Asset Broker (DAB) of a proof of concept on trade document transfer – with Web3 services platform Chainlink Labs, Sumitomo Corporation, and InnoWave – has certainly helped prices as well. This platform continues to be the oracle choice on blockchain networks, helping ensure its long-term utility.
6. Cosmos (ATOM)
Cosmos seeks to build an ecosystem of independent parallel blockchains that can scale and interoperate with each other. An internet of blockchains, if you will. The Cosmos Network uses a proof of stake consensus mechanism that requires the ATOM cryptocurrency. Cosmos also created open-source tools such as Tendermint, the Cosmos software development kit (SDK), and Inter-Blockchain Communication (IBC) protocol. Multiple other blockchain projects use Cosmos and Tendermint, meaning Cosmos likely has a role to play in the long term.
7. Polkadot (DOT)
Founded by former Ethereum developer, Dr. Gavin Woods, Polkadot (DOT) aims to be a next-generation blockchain protocol. It’s a sharded blockchain network that is often considered a layer-0 blockchain network because it underlies a series of layer-1 protocols, known as parachains. Polkadot has a ton of potential, and is one of the most technical projects on the market.
8. Polygon (MATIC)
Polygon (MATIC), formerly known as Matic Network, is a layer-2 blockchain network built on top of Ethereum. This means Polygon is an ERC-20 token. Polygon has made great strides over the past few years. It has developed deals with companies like Instagram, and has generally performed well. It is currently the most popular scaling solution for Ethereum, but that could change at any time. They have also had to battle public scrutiny surrounding a controversial partnership with DraftKings.
9. USD Tether (USDT)
USDT is the most popular stablecoin available, with an issuance of over $114 billion tokens. Tether backs up its assets with various reserve assets, with the majority being cash or cash equivalents. Though it’s not an exciting asset, it’s certainly a safe choice as far as stability and reliability goes.
10. Tron (TRX)
The Tron blockchain has the second-highest total value locked (TVL) of any blockchain network, with only Ethereum ahead of it. There’s over $8 billion locked into the Tron network. One of the reasons Tron is a safe cryptocurrency is that Tron is perhaps the most popular place for stablecoins, especially USD Tether (USDT). Ethereum has stablecoins worth $65 billion in market cap, but Tron has $59 billion, with 98% of that being USDT.
This makes the Tron network perhaps the most liquid place to use USDT, and since USDT is the most popular stablecoin, it makes it a fairly safe network to invest in. Tron’s network is averaging almost 5 million transactions a day, according to the Tronscan block explorer.
More Safe AltCoins to Invest in
The crypto sphere is dynamic and always-changing. So, while the above coins are all relatively solid choices, branching out with these up-and-coming altcoins can be a great way to future-proof and diversify your portfolio.
How to Store Your Crypto Without Losing Sleep
Once you have established the safest crypto to invest in, the next step will be finding the most effective and secure way to store your assets. Choosing the right storage solution is a critical step, since it determines who controls your private keys and how well they will be protected.
Some of the best digital asset storage options that I have found include:
7 Expert Tips to Dodge Crypto Disasters
New to all of this? Our comprehensive guide on how to idiot-proof your crypto security will take you through all the best practices to fortify your investment strategy. Follow these quick tips and tricks to avoid those common crypto investing pitfalls:
- Stick to reputable, regulated exchanges: Safeguard your assets by choosing the safest crypto exchanges that have strong reputations. Platforms like Coinbase, Kraken and Binance, have been around for years, have invested heavily in their protective infrastructure, and serve millions of users worldwide.
- Enable two-factor authentication: Add an extra layer of security by enabling 2FA on your wallet and exchange accounts. This ensures that even if your password is compromised, access requires a second verification step.
- Backup your wallet: Regularly back up your wallet and recovery seed phrase. Store backups in multiple secure locations to prevent loss or damage.
- Be wary of phishing scams: Always verify the legitimacy of emails, websites, and apps before entering sensitive information. Avoid clicking on unsolicited links or downloading suspicious files.
- Avoid public Wi-Fi: Never access your wallet using public Wi-Fi. If necessary, use a secure VPN to encrypt your connection and protect against man-in-the-middle attacks.
- Secure your private keys and seed phrase: Never share your private keys or seed phrase with anyone. Store them offline in secure locations and never save them digitally.
- Avoid shared devices: Only access your wallet from trusted devices that you control. Avoid using shared or public devices to log into your accounts.
Some Dangerous Red Flags to Be on the Lookout For
Smart investing requires more than technical know-how, it requires good instincts and a keen eye for details. Here’s what beginners and experts need to watch out for when vetting a coin:
- A lack of transparency surrounding the project documentation, the team, the roadmap etc.
- Unusual tokenomics, without clear functionality indicators or use cases.
- A lack of support from credible platforms.
- Over-the-top hype and promises of unrealistic returns.
- A history of SEC investigations, a lack of auditing records, or compliance issues.
The Smart Approach to Finding the Safest Crypto to Invest In
Though there are many digital assets to invest in, your best bet will always be to focus on the assets that have stood the test of time.
Whether you are a beginner investor or you are an expert seeking tips on how to improve your investment game, focusing on factors like use cases, regulatory compliance, and track record – will allow you to minimize various legal, regulatory and financial risks. The coins that made our list have all demonstrated solid performance over time, and continue to be some of the most trusted assets on the market. This, combined with some general investment rule-of-thumbs, should have you well on your way to understanding what is the safest crypto to invest in.
FAQ
Though all cryptocurrencies carry risk, Bitcoin is widely considered to be the most secure option, due to its long history, trusted network, and robust proof-of-work system. It has proven to be very resilient against attacks and even technical failure over time, which means that as long as you use a safe crypto exchange, your investment should be well-protected in the long term.
Stablecoins, like USDC or USDT, are specifically designed to maintain a fixed value. These assets are tied to the value of a fiat currency – in this case, the US dollar – which makes them less volatile than other types of crypto.
Before you start investing, it is important to understand some of the unique risks associated with crypto investing. This includes dramatic price changes, hacking and phishing scams, lack of insurance, and fraud. All of these risks influence the long-term success of any given asset.
When it comes to long-term investing, the safest assets are typically those with strong fundamentals, proven use cases, transparent governance and resilient ecosystems.
These projects can weather market fluctuations, and continue to evolve and improve over time. This leads to broader institutional support and community adoption. Some examples from this list include BTC, ETH, LINK and MATIC.
