November 2025 could be a turning point for crypto. From ETFs to major network upgrades, here are six catalysts that could shape the market.
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As we move into November 2025, the crypto-market is gearing up for one of its most intriguing phases yet. From spot-ETF momentum to narrative shifts, network upgrades and real-world asset tokenization, multiple catalysts are aligning. Here are six key developments to watch.
1. Seasonality & Historical Momentum Could Kick In
While "Uptober" fell short of expectations, November could tell a different story. Historically, it's been one of the strongest months for digital assets, with Bitcoin in particular averaging +42.31% gains in recent years.
When combined with the renewed ETF narrative, increased whale accumulation, and a stronger appetite for risk assets, market momentum appears to be building. Participants are closely monitoring how these dynamics could influence sentiment, especially as trading volumes and key technical levels come into play. If Bitcoin maintains stability around the $100K zone and Ethereum shows signs of renewed strength, November could become a more active month for crypto markets compared to October.
2. Ether’s Next Move Could Set the Tone for Altcoins
The final weeks of 2025 may prove pivotal for Ethereum (ETH). Although retail accumulation has paused somewhat, wallet-level data shows large holders (1,000 to 100,000 ETH wallets) added roughly 1.6 million ETH in October (around $6 billion), it’s a sign that whales and larger holders are staying active as the year winds down.
If ETH begins to break out or even stabilize around current levels, it could unlock the broader altcoin market, which has been lagging for months. The playbook that many are hoping for is the following one: ETH strength leads to improved risk appetite, which in turn sparks an altcoin rotation as investors seek higher risk exposure.
Ethereum remains the accepted benchmark for gauging sentiment across the non-Bitcoin segment of the market, and its performance frequently acts as a catalyst for capital flows into smaller assets. Keeping an eye on its fundamentals (from staking yield to liquidity shifts on major exchanges) will be important. In many ways, ETH could potentially become the gatekeeper to the next phase of the market’s recovery and the tone-setter for the coming months.
3. ETF Comeback After Delays
The recent U.S. government shutdown briefly froze several crypto-spot ETF filings, leaving the “ETF narrative” in suspense. But now the pause is over for Bitwise’s Spot Solana ETF. It has finally launched with strong early inflows, and the broader momentum is returning.
With this foundation, November could reignite the ETF trade in earnest, we may finally see filings for Ethereum staking products, new spot-Bitcoin funds and renewed institutional interest. If filings begin to stack up and regulatory engagement deepens, this could mark the next major inflection for how crypto is accessed in traditional portfolios.
4. Altcoins at an Inflection Point
The broader altcoin sector enters November under pressure as the Altcoin Season Index sits near 29, signaling a reset after October’s downturn. But inflection points often follow pressure. If ETH sets the tone (as many are hoping for), mid-cap and high-beta altcoins (such as SOL, AVAX, NEAR) could begin to capture rotation flows.
Traders might want to watch for flow changes such as increased volumes, wallet relocations and new project launches. While caution is still prevailing, this may be the window where sentiment begins to swing back into “altcoin season”.
5. Major Network Upgrades
Technical infrastructure is not just background noise; it often creates catalyst-events. For example, Ethereum’s upcoming Fusaka Upgrade (scheduled for early December) is designed to increase layer-2 data capacity and reduce transaction costs.
Meanwhile, various Layer-2 ecosystems are preparing upgrades and cross-chain activations. One such upgrade, Shibarium Upgrade’s security overhaul on the Shiba Inu network. These events may ignite renewed network activity, developer interest and capital flows into ecosystems ready to scale.
6. Real-World Asset (RWA) Tokenization Accelerates
The tokenization of real-world assets (RWAs), such as real estate, bonds, equities, is moving from niche to mainstream. For instance, according to Standard Chartered, this market is projected to grow to around $2 trillion by 2028. Institutional interest is burgeoning, and regulatory frameworks are emerging.
As November unfolds, we may see announcements of large tokenization initiatives or new platforms bridging DeFi and traditional finance. For crypto holders and ecosystem observers, this means the familiar “crypto only” narrative is expanding into real-asset integration, a meaningful broadening of the opportunity set.
The Verdict
November 2025 is shaping up to be more than just another month. Spot-ETFs potential, ETH’s path, altcoin rotation, seasonal tailwinds, infrastructure upgrades and RWA tokenization all sit in motion. Each one individually is significant; together they create a multi-vector setup.
For those in the crypto space, whether you're holding long-term, actively trading, or building the next wave of infrastructure, November is likely to be eventful. This isn't a month to coast on autopilot. Track where capital is flowing. Pay attention to which narratives are gaining momentum and which are fading. The players are moving, and the pieces are falling into place.
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Technical analysis is a method of evaluating the strength and weakness of an asset by collecting historical price data to identify trends. It involves using tools like charts, graphs, indicators or signals in order to compare them from past data in order to make predictions about what's going to happen next with the market for a specific financial instrument such as equities, crypto, commodities etc.
Technical analysis is a method of evaluating stocks, crypto and commodities using past market data. The goal here is to determine the future price movements. In contrast fundamental analysis which involves analyzing financial statements in order to assess what fair value would be for that company.
Technical Analysis can be applied to any security with historical trading data, such as cryptocurrencies, forex (foreign exchange), commodities and stocks.
Let’s now dive into the subject and learn more about the different tools and techniques that you can use for technical analysis.
The Market trend
The most important step in learning how to spot a trend is to figure out what one is. For any beginner in technical analysis, knowing how to identify the trend should be the first order of business. Let’s watch this Chart below:
We can here observe the three different trends:
The Uptrend: In an uptrend, the asset is going up and making higher highs with each wave. Each high is also greater than the last one, resulting in a series of higher lows as well that push prices even further upward.
The Downtrend: A downtrend is a pattern of decreasing price that continues until it breaks. It’s called "downtrend" because the asset keeps going down, making lower highs and lows each time they form.
The sideways trend: The asset trades between a dynamic range of prices in an horizontal channel.
You may as well encounter different terms such as “Bearish” and "Bullish" to refer to a trend. The term, Bullish comes from the bull who strikes upwards with its horns thus pushing prices higher; in contrast, Bearish comes from bear who drives down markets by striking downwards with their paws.
Resistance & Support
Understanding the support and resistance levels of a cryptocurrency can help you time your buying or selling to maximize profit. A technical trader identifies these points on their chart so they know where it's best to buy in, when there is likely an upcoming breakout, as well as knowing where not be eager with new investments because prices are more likely than ever before to reverse quickly at this price point. When the resistance level is broken, it usually becomes a support level and vice versa.
Support: Support is a level where buyers tend to concentrate, and this will help the downtrend that has been occurring stop or rebound.
Resistance: A level where an uptrend can be expected to pause or rebound. This is a concentration of sellers and indicates that the market may have reached its peak for now.
Candlestick
Candlestick charting is a popular way to track the market trend. Candlestick chart, is also known as a Japanese candlestick chart (Developed in Japan in the 1700s, historical records indicate that this tool was first used to track rice prices). This type of financial chart is used to track stock prices or other asset prices. The candlestick's shape can vary depending on the high, low, opening and closing prices of a given day.
A candlestick shows both bullish and bearish price movement over its duration, and gives more detailed information than the simple bar charts. A candlestick looks at the prices during a specific time interval, such as a day. The main feature which distinguishes this from other charts is the ability to plot each day's open, high, low and close values on a single chart.
This method of charting involves plotting price data over time on an open, high low and close basis with wicks projecting out from each end of the body for daily bars or just one day in higher timeframe charts.
Bullish candle: The close is above the opening (green)
Bearish candle: The close is below the opening (red)
Moving average and (MACD)
The moving average is a technical trading indicator that calculates the constantly changing stock price over time. It smoothes out this data by creating an average of different subsets to help investors make decisions on what direction prices are heading and how long they will continue to change in such directions. A moving average is a customizable indicator meaning that an investor can freely choose whatever time frame they want when calculating an average.
The Moving average convergence divergence (MACD) is a trend-following momentum indicator that looks at the relationship between two moving averages of an asset's price and gives traders an indication to changes in momentum, strength, directionality and duration of a trend for a given asset.
It combine these 2 moving average:
-A short-term moving average
-A long-term moving average
Chart interpretation:
The lines on the chart below can be interpreted as follows:
-If the green line (MACD) is above or crosses over the orange line (signal), it means that momentum for a certain market is bullish.
-On conversely, if the green line is below the orange one, then this shows bearishness in terms of momentum
-When the lines diverge, it denotes a strengthening of the current trend. However, when they converge, this shows that there is likely to be an upcoming reversal in trends.
-When they cross, this signals confirmation that we have evidence for a change in momentum.
Bollinger bands
Bollinger bands attempt to measure market volatility by creating a band around a moving average. This strategy was created by John Bollinger in the 1980s. They serve as a relative indicator of whether prices are high or low on a moving average.
Bollinger bands are typically used by traders who like to use a long-term approach. This technique can be applied to any major currency pair, as well as commodities and stocks. As opposed to short term strategies that try and capture very small price movements, this strategy works best when combined with a directional view where the trader believes that the market will either go up or down in the long run.
The main disadvantage to this technical analysis is that it is not as effective when markets are flat or choppy (trading range). This strategy can also be difficult to use for novice traders who do not have a good understanding of market conditions, and an entry/exit approach.
News are a big influencer of crypto prices
Cryptocurrencies are heavily influenced by speculation, and even a small piece of news can trigger multiple price reactions by investors.
For example, when Bitcoin Cash was launched on August 1st 2017, it resulted in a sharp decline in the price of Bitcoin as well as other cryptocurrencies as investors feared that a new competitor could undermine the value of existing cryptocurrencies.
The use of advance statistical techniques helps you to take into consideration past data to generate price forecasts. The best way to do this would be to look at historical prices and volumes for cryptos, and compare them to current data. This allows analysts and traders to gain some degree of insight on how the market price will react to future events.
Our aims is to help you grow your knowledge about trading and cryptocurrencies. That's why we're here to help you better understand Cryptocurrencies and trading technics. We want everyone who uses Tap not only to feel informed about market trends but also be inspired by crypto culture, which drives people like you and me into a passionate future for this technology.
If you wish to learn more find more resources in our dedicated education centre available here: Crypto Basics
La question revient sans cesse : quand sera miné le tout dernier Bitcoin ?
On s’est tous posé la question à un moment ou un autre, alors on a décidé de faire le point. Spoiler alert : ce n’est pas pour tout de suite.
Mais avant d’entrer dans le vif du sujet, il faut d’abord comprendre deux éléments clés : l’offre totale de Bitcoin et le mécanisme de halving (ou réduction des récompenses). Allez, on embarque ?
L’offre totale de Bitcoin
Quand le Bitcoin est apparu dans un whitepaper en 2008, le monde découvrait une nouvelle façon de concevoir la monnaie. Contrairement aux devises classiques gérées par des banques centrales, le Bitcoin repose sur un système décentralisé sans aucun intermédiaire.
En réponse à la crise financière de 2007-2009, son mystérieux créateur Satoshi Nakamoto a intégré un principe fort : il n’y aura jamais plus de 21 millions de BTC en circulation. Un choix qui rend le Bitcoin naturellement déflationniste, à l’inverse des monnaies traditionnelles que l’on peut imprimer à volonté.
En mai 2021, environ 18,7 millions de BTC avaient déjà été minés, soit près de 89 % de l’offre totale. Mais ne vous laissez pas tromper : le chemin est encore long avant d’atteindre les 100 %.
Le halving : un mécanisme bien pensé
Autre astuce géniale intégrée au protocole : le halving.
Tous les 210 000 blocs minés (environ tous les 4 ans), la récompense des mineurs est divisée par deux.
Petit rappel : les mineurs sont les personnes (ou machines) qui vérifient les transactions sur la blockchain. Pour chaque bloc validé, ils reçoivent une récompense en BTC. En 2009, cette récompense était de 50 BTC. Douze ans plus tard, elle est passée à 6,25 BTC… et continue de baisser.
Ce système permet de ralentir l’arrivée de nouveaux Bitcoins en circulation. Là où les banques peuvent injecter des masses d’argent (comme pendant la pandémie de Covid-19), le Bitcoin limite volontairement l’émission de sa monnaie. Résultat : un actif rare, potentiellement de plus en plus précieux.
Alors, c’est pour quand le dernier Bitcoin ?
Maintenant que vous avez les bases, passons à la fameuse question : combien de temps avant que tous les Bitcoins soient minés ?
La prochaine réduction de la récompense est prévue pour 2024, où elle passera à 3,125 BTC par bloc. Ensuite, on aura des halvings en 2028, 2032, etc. En 2032, plus de 99 % des BTC auront été extraits.
Mais cette dernière portion, si petite soit-elle, prendra du temps… beaucoup de temps.
À cause du halving, les récompenses deviennent minuscules au fil des décennies. Résultat ? Le tout dernier Bitcoin devrait être miné en… 2140.
Oui, vous avez bien lu. Encore plus d’un siècle à attendre. Autrement dit, nous ne serons sûrement plus là pour le voir.
Et après ?
Le Bitcoin est passé de quelques centimes à plusieurs dizaines de milliers de dollars en un peu plus de dix ans. Ce que l’avenir réserve est encore flou, mais une chose est sûre : le processus de minage, lui, est clair et défini.
Si vous souhaitez découvrir ou utiliser Bitcoin dès maintenant, l’appli Tap permet de l’acheter, le vendre, le stocker et même de le dépenser facilement.
Vous vous demandez quand le dernier Bitcoin sera miné ? Peut-être que c’est le moment de taper dans l’avenir.
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Much like traditional stock portfolios, crypto portfolios can too be balanced to ensure a spread of returns and risks over the asset class. Building a diversified cryptocurrency portfolio can be done in many ways, however, in this article, we will be exploring a general approach that investors can use to build their own.
From thoughtful diversification to asset allocation to buying your cryptocurrencies, the road to building a balanced crypto portfolio is not a complicated one. It will require some upkeep though, so be sure to factor in that you will need to balance your portfolio regularly.
Starting with the basics, a cryptocurrency portfolio is a collection of varied crypto holdings held by an individual (these portfolios hold one asset class, while others can hold multiple asset classes and would require further asset allocation).
Some investors also choose to use a third party tracker which calculates the portfolio’s holdings and profits. A balanced portfolio will have a collection of coins, products and tokens, each with its own risks and rewards.
It should have a mixture of high and low market cap coins and might look something like this: 35% Bitcoin, 10% Ethereum, 25% stablecoins, 15% NFTs, and 15% altcoins (this is an example based on the current climate of the cryptocurrency market and not financial advice).
The 5 main types of cryptocurrencies on the crypto market
Before we start building our portfolios, let’s begin with understanding the 5 main categories that can be found on the cryptocurrency market today.
Most of the 20,000 cryptocurrencies on the market at the moment will fall into these options.
Payment Focused
Consider these the original first-generation cryptocurrencies, starting of course with Bitcoin. Many earlier projects were designed as systems of transferring value, take for example Ripple (XRP), Litecoin (LTC) and Bitcoin Cash (BCH).
These types of coins typically have a high market cap.
Stablecoins
This category refers to all coins that are pegged to a fiat currency and commodity. These coins naturally bypass any volatility, ensuring a stable anchor in your portfolio and a safe haven for when the markets experience a dip.
While they might seem to represent more traditional assets, stablecoins provide a valuable contribution to the crypto ecosystem.
Examples include PAX Gold (PAXG) which is pegged to the price of gold, while options like Tether (USDT) and USD Coin (USDC) are pegged to the US dollar.
Utility Tokens
Utility tokens are unique to their ecosystems and generally offer a product or service. This could come in the form of a coin used to pay transaction fees on a network, or a coin created to launch a crowdfunding initiative.
Examples include coins found on dapp and smart contract development platforms, Ethereum (ETH) and Binance Coin (BNB).
Security Tokens
Much like the traditional securities in the stock market, security tokens can take on many forms.
These digital forms of traditional securities have been integrated with blockchain technology and span across three categories: equities, debt and a hybrid of debt and equity. This can range from representing a bond issued by a project, equity in a company, or even voting rights.
Governance Tokens
Governance tokens offer holders voting powers and a share of the project’s revenue. Similar to utility tokens, the value of a governance token directly relates to the success of the underlying project. Examples include Uniswap (UNI) and PancakeSwap (CAKE).
How to build a balanced crypto portfolio
When it comes to building a well balanced crypto portfolio there are plenty of different schools of thought.
These are our top recommendations, however, we encourage you to do your own research and ultimately go with what feels right.
- Diversify Risk
Ensure your crypto portfolio has an adequate amount of risk tolerance by incorporating high, medium and low-risk coin options, portioned appropriately.
It’s important to first establish what level of risk you are willing to take, and plan your portfolio accordingly.
- Include Stablecoins
While these aren’t associated with wild gains, stablecoins help to provide your portfolio with liquidity and are key to many DeFi dapps.
They also allow traders to quickly and easily exit a position or lock in gains whether in a bear market or a bull market.
- Monitor The Market
Ensure that you are checking in to see what is happening in the market regularly and adjusting your well balanced crypto portfolio to best manage this.
Crypto markets can still be very volatile, so ensure that your trading decisions reflect what is happening.
- Monitor Your Emotions
This might be one of the biggest overseen aspects of trading but ensure that you have a grip on your emotions as they can play an integral part in your decision making.
Fear and greed are strong contenders when it comes to making logical trading decisions, make sure that these are not influencing any of your trades.
Don't let greed interfere, changing potential big gains to huge losses. Things can go terribly wrong when emotions are behind the wheel of trading decisions.
- DYOR
We cannot stress it enough - always do your own research when exploring engaging with other cryptocurrencies. Never engage in a project that you cannot fully explain to another trader. Crypto involvement requires a substantial amount of due diligence.
While there is value in taking advice from a strong trader, ensure that you do your own vetting of the project before blindly trusting a stranger, this is your own money after all.
- Onlycommit what you’re willing to lose
As a golden rule of thumb when it comes to allocating funds, only allocate what you're willing to lose.
If you’ve made trading decisions that are causing you sleepless nights, consider a different approach, and ensure that should something go wrong that you have the financial means to stay standing. Your overall portfolio should be correctly balanced in order to ensure you can have rest-filled nights.
How to use a portfolio tracker
While typically used for short-term and day traders, trackers can also provide value to long term investors. Trackers provide a reliable way of monitoring the performance of your low, medium and high risk assets.
Crypto trackers also allow investors to measure their results across several blockchains and wallets in real-time, allowing one to directly measure the success or losses of their crypto holdings.
Portfolios typically involve holding multiple coins across various blockchains, so finding a compatible and suitable portfolio tracker makes sense.
First, you’ll need to select a good portfolio tracker that best suits your needs. Below we’ve outlined the top crypto portfolio trackers, although it's best to get a feel for the platform before diving in.
For instance, Pionex is better suited to high volume investors while Delta is better suited to beginners. See our selection below of top options on the market at the moment.
- CoinMarketCap
One of the most used sources of information in the crypto space, CoinMarketCap also provides tracking functionality. Users can enter their coins, what price they were bought at and monitor their progress. - Pionex
Favoured to high volume investors, Pionex provides a more advanced option when it comes to tracking your crypto portfolio. - CoinGecko
Most commonly known as being a data aggregator, CoinGecko also allows users to track over 1,000 coins across its mobile and desktop crypto trackers. - Delta
Delta not only provides a very user-friendly crypto tracker, it also allows users to track a wide range of assets including fiat currencies, stocks, bonds, futures, and ETFs.
Aside from the look and feel, other factors to consider are safety and security, and whether it supports the wallet and coins in which you've allocated resources.
Building your crypto portfolio manually
When you’re ready to start building your well-balanced crypto portfolio, you will need to find a reliable platform and wallet on which to do so.
Ensure you stick to a regulated exchange and that the security behind the wallet you choose is of high standards.
Tap mobile app offers a secure and convenient platform through which users can buy, sell, trade and store a wide range of cryptocurrencies. Learn more here on our website available on both desktop and mobile devices.
Next, you will need to decide on which coins you'd like to engage with, ensuring that you strategically distribute your capital with appropriate weightings.
Take cues from our Types of Cryptocurrencies above, deciding on how you wish to allocate the coins in order to build a balanced crypto portfolio.
We encourage you to conduct extensive research in this phase: A golden rule of engaging with cryptocurrency is to comprehend what crypto is before allocating any funds to it, as well as to understand each individual coin.
Used across both the crypto market and traditional stock markets, return on investment (ROI) is a financial measure used to calculate an asset's growth and efficiency over a period of time. This useful measure has been used for decades to determine the success of one's investment.
In this article, we'll help you learn how to calculate the ROI on your investment so that you can implement it across your portfolio to determine your successes. Understanding your assets' ROI might lead to improved sales and revenue and solve a problem that many traders face time and time again.
Many businesses offering trading services might include a project ROI in their monthly or annual report to a customer, illustrating the successes of the site in black and white figures. However, be cautious when a company uses a set amount of return on investment statistics in their advertising, not even the top trading experts are able to predict with exact certainty the events, analytics and metrics that will take place in the future.
How To Calculate ROI
Bear with us as this gets slightly technical, it will all make sense in no time. This formula essentially revolves around determining the overall profit or loss one has made from a particular investment.
The formula used to determine ROI is ROI = (FVI - IVI) / IVI * 100%. In this formula, the FVI stands for the final value of an investment while IVI stands for the initial value of an investment.
Looking at a practical example, say you bought $1,000 worth of Bitcoin in January 2020 when it was trading for $8,807. Two years later you sell your Bitcoin in January 2022 when it was trading at $43,704 for $3,960.
In this scenario, the IVI is $1,000 while the FVI is $3,960. ROI = (FVI - IVI) / IVI * 100% translates to:
ROI = (3,960 - 1000) / 1000 * 100%
ROI = 296%
This equation is considered a base formula as it does not include additional factors like fees and expenses incurred when storing the asset. In order to establish the true ROI on your investment, you would need to determine what additional costs were incurred (transaction fees for example) and use the following formula:
ROI = (FVI - expenses - IVI) / IVI * 100%
Additional Elements To Consider When Calculating ROI
One thing that ROI does not factor in is the risk associated with the asset. For example, higher ROIs typically come with higher risks while assets with lower ROIs typically hold a much lower risk in terms of gaining returns.
This holds true in the crypto market where new coins can suddenly soar in price creating a strong ROI for those that invested early. However, this ROI data will not be the same for an investor that enters the market at a later stage, and the risk will be much greater. Be wary of analysts using ROI statistics in digital marketing to make far-fetched conclusions about an asset's future success. Always use Google as a tool to verify the information, particularly for smaller coins.
Another limitation of this approach is that time is not taken into consideration. For instance, if your investment appreciates from $100 to $150, the ROI will always be 50% whether this happened over one year or ten years. This issue can be solved by using another formula, known as the annualized ROI.
What Is Annualized ROI?
This method illustrates the standardized annual rate of return on investment by considering the investment's tenure, providing insight into the money an investment product has yielded over a certain period of time. This formula will calculate the investment's average performance each year over the entire period.
The formula for annualized ROI is Annualized ROI = ((1 ROI) 1/n - 1) * 100%. Here, n represents the number of years of the investment.
Using the latter example above, your $100 growing to $150 will present an annualized ROI of 50% for one year while the ten year annualized ROI is 4.14%. A substantial difference, and one you wouldn't pick up on from using the standard ROI formula.
What Is Bitcoin's ROI?
As the world's first cryptocurrency, Bitcoin has seen some incredible increases in price. Analysts often use the formulas outlined above for tracking the digital asset's short-term, medium-term, and longer-term ROI.
As of January 2022, these ROIs are calculated using the trading price of $43,834.36 (at the time of writing).
Short-term - 1 year (January 2021)
BTC Price: $33,922.96
ROI = (43,834.36 - 33,922.96) / 33,922.96 * 100%
ROI = 29.29%
Medium-term - 2 years (January 2020)
BTC Price: $8,807
ROI = (43,834.36 - 8,807) / 8,807 * 100%
ROI = 3,977.21%
Longer-term - 5 years (January 2017)
BTC Price: $818.41
ROI = (43,834.36 - 818.41) / 818.41 * 100%
ROI = 5,256.03%
These are wildly impressive results, particularly when compared to the traditional stock markets. Excuse us while we go question our personal ROIs for our crypto investments.
Bitcoin, and many other cryptocurrency markets, have seen a phenomenal influx of funds recently, with the overall market cap reaching just shy of $3 trillion. This bullish market presents an advantageous set-up to make money. Trading, while profitable, introduces an array of issues that may be hard for newbies to overcome.
If you are looking to make profits without the added risks then investing may be your best bet. But before you get into investing, there are some basic concepts you will need to grasp in order to make an informed decision. In this article, we're covering how to invest in Bitcoin and cryptocurrencies and what the difference is between investing and trading.
Investing vs Trading
To make a long story short, investing refers to long-term holdings while trading refers to short-term holdings, both are seeking profits within the market.
Generally speaking, investors are after greater returns over a longer period of time while traders seek to draw smaller, more frequent returns from rising and falling markets in a much shorter time frame. Trading thrives off of volatile markets, whereas investing seeks more stable options for longer-term rewards. Both provide the opportunity for profits, but each has benefits and flaws of its own.
For newbies and those who have a more busy lifestyle, investing is the best option as it does not depend on your understanding and monitoring of market movements. Trading on the other hand is more of a career path, it requires considerably more time dedication, while also holding greater risk. As the saying goes, all traders should be investing but not all investors should be trading.
It's important to note that both investing and trading have their own tax regulations and it is on the individual to find out and adhere to these laws. Bank on paying taxes on any returns made, as a general rule of thumb, but always research the guidance information relevant to your jurisdiction, i.e. tax paid on crypto returns will vary from the UK to Germany.
Bitcoin vs Altcoins
Bitcoin, the first cryptocurrency to come into existence, boasts an impressive market cap and is the highest valued cryptocurrency to date. After it launched in 2009, many cryptocurrencies followed suit and were coined "alternative coins" which soon became shortened to altcoins. While these originally focused on payment-centred cryptocurrencies, today the term altcoin essentially refers to any cryptocurrency that isn't Bitcoin.
When it comes to investing and Bitcoin vs altcoins, Bitcoin has proven to be the most valuable coin however there are plenty of small to medium cap markets that experience incredible growth. Consider Bitcoin's large price point to be a hindrance to short term investments, but more powerful in the long run.
To put it into perspective, data shows that if you invested $50,000 into Bitcoin when it was trading around $60,000, you would have to wait for Bitcoin to hit $120,000 before you double your investment. However, if you invested that same $50,000 into an altcoin when it was worth $1, it would only have to reach $2 for you to double your money which is a lot more likely than Bitcoin doubling in the same period. However, this doesn't ring true to all altcoins and one must always do thorough research before investing.
Altcoins come in all different shapes and sizes, some tackling industries from medical to real estate, all backed by the financial aspect of blockchain technology. Investing is about more than just profits, it is also about the project. Is it something you are interested in and could benefit from in the future? Is it something that could change the world for the better? Does it have real-world use cases?
All of these are factors to consider when planning to invest. The potential behind the project is oftentimes what secures it as a viable investment option, promising great opportunity for adoption, stability, and growth. At the end of the day, investing in altcoins requires a considerable amount of research.
Where And How To Invest
The first thing you need to consider is which exchange and wallet you will be using. Long term investments mean you need to find a platform you can trust to store your funds in a longer-term time frame. This is the key to securing your investment, rather than coming back a year or two later to discover your funds are gone.
Some people recommend companies offering hardware wallets to reinforce that investment "do not touch" mindset while others prefer web wallets that are more accessible. It's really up to you which platform you decide you go with, considering all the features and factors, your needs, and confirming your decision with your own research. Make sure to stay up to date on the platform you are storing your funds on to be alerted of any software upgrades, if any hacks occur or if a platform closure notice goes up.
At Tap, we have integrated a hyper-secure wallet into our mobile app, allowing anyone, anywhere to securely store their funds. We are licensed and regulated by the Gibraltar Financial Services Commission and hold insurance of up to $100 million, ensuring the protection of your digital assets at all times. The mobile app also grants users access to a number of cryptocurrency markets, where you can freely buy, sell and manage your portfolio.
Final Thoughts
Investment as a term isn't a difficult concept to catch onto, but finding the right investment is the important part. It is always recommended that you do your own research, and in-depth analysis at that, and don't be scared to diversify your assets. The investment world is yours for the taking, so get out there and start building a lucrative investment portfolio.
FAQ
What is Bitcoin and how does it work?
Bitcoin is arguably this century's greatest innovation: a decentralised digital currency built on blockchain technology that allows for the transfer of value across the internet. This peer-to-peer digital cash system facilitates international payments at a fraction of the cost and time that fiat transactions of that nature take and are as simple as sending an email. Instead of being controlled and managed by banks or government entities, new coins are regularly entered into circulation through the process of mining. You can learn more about Bitcoin, blockchain transparency, and its lack of intermediaries from our guides.
Should I invest in Bitcoin?
As mentioned above, Bitcoin holds great market potential for both investors and traders. Since 2009, Bitcoin has performed well in terms of displaying strong ROIs, something most investors see as a benefit for future gains. However, investing in Bitcoin comes with its own risks that each individual should consider before entering the market. As a rule, never invest more than you are willing to lose.
Which are the three biggest cryptocurrencies?
Currently, based on market cap the three biggest cryptocurrencies are Bitcoin, Ethereum and Tether.
What are the alternatives to Bitcoin?
Alternatives to Bitcoin are referred to as altcoins. While there are thousands of cryptocurrencies on the market, not all are worth investing in. It's best to research each coin individually and weigh up the project before investing in it. Consider a cryptocurrency as a company, and purchasing coins as buying shares in the business.
Disclaimer: This article is intended for communication purposes only, you should not consider any such information, opinions or other material as financial advice. The information herein does not constitute an offer to sell or the solicitation to purchase/invest in any crypto assets and is not to be taken as a recommendation that any particular investment or trading approach is appropriate for any specific person. There is a possibility of risk in investing in crypto assets and investors are exposed to fluctuations in the crypto asset market. This communication should be read in conjunction with Tap's Terms and Conditions.
When used to using the traditional banking system, learning how to pay and get paid in crypto might sound daunting. While there are a lot of factors to consider, it’s really a lot more simple than one might imagine.
Below we’re taking a look at the advantages of using digital currency to pay and get paid, and how to go about doing this safely and securely.
The first proper use case of blockchain as we know it today was money. Bitcoin was designed as a decentralized digital means of transacting value at a faster and cheaper rate than traditional fiat currencies. Over a decade later and this still remains the case for digital assets.
Cryptocurrencies like Bitcoin allow individuals to be paid quickly and simply regardless of where they are in the world. However, crypto operates in a very different way to traditional banking systems, which means you'll need to understand your way around it first.
The Advantages of Using Crypto Payroll Services
The nature of cryptocurrencies allows crypto payroll services to offer several benefits for both employers and employees, particularly when the parties are located in different countries. The advantages are in part because there is no middleman concerned when using virtual currencies, which results in lower transaction fees, faster transaction speeds, and higher dependability.
The Advantages of Digital Currencies for Businesses
Small enterprises face intense rivalry from bigger businesses in a global economy. Small companies, particularly in the tech space, may lack local expertise making foreign job markets more attractive.
It’s often the case that those skills are available remotely, and often at a much better price, but accessing remote workers can be difficult, mostly due to the problems of sending money overseas. This can be a costly, time-consuming and unreliable process.
Some workers with the right skills simply won’t have access to the banking infrastructure or services that allow them to accept money from overseas employers.
This is where cryptocurrencies come in. You can use Bitcoin or other cryptocurrencies to access the international gig economy of digital nomads and highly-trained specialists.
Because cryptocurrency allows you to transfer funds at a significantly lower cost than traditional services, you won't have to worry about one person having to pay the costs of remittance, which can be costly when using conventional money transmission platforms.
No matter how much money you’re sending, Bitcoin transaction fees are considerably lower than fiat currency, typically less than $1, allowing businesses to outsource small jobs or split a project into smaller parts. This can ensure that all parts of the project are given to a contractor who has the right skills and is a good fit for your firm.
The Advantages of Digital Currency for Individuals
There are several benefits to accepting crypto payments, which might even outweigh the advantages for businesses (which, of course, makes implementing Bitcoin payroll procedures a lucrative option for organizations that need to hire remotely).
- First and foremost, getting paid in crypto is faster and more efficient than international fiat payments. Cutting out days, foreign exchange charges and hefty fees, crypto transactions are settled in a matter of minutes for a fraction of the cost.
- Accepting crypto allows the individual to accept remote work, allowing for a greater scope of projects and companies. Working with companies with no geographical borders can present some incredible opportunities, more of which revolve around better income and more exciting projects.
- Working with cryptocurrency transactions allows for small amounts of money, whereas previously with fiat currency the charges would be too high to do so. This allows the individual to take on many small jobs across a range of businesses or interests.
- As some cryptocurrencies, like Bitcoin, provide a strong store of value, this allows users the chance to be more flexible with their funds, perhaps storing crypto assets away as savings (cryptocurrency holdings) which in time will ideally grow. Some crypto platforms, like Tap, even allow users to pay bills using their crypto balances.
The Legal Status Of Crypto Payments (and capital gains tax)
While Bitcoin transactions are completely secure, fast, and inexpensive, there is one element one will need to consider, and that is the legal status of cryptocurrencies in one’s jurisdiction.
Most nations have favorable regulations in place when it comes to receiving, sending and storing cryptocurrencies, however, it differs from country to country so it is important to check this prior to diving right in.
On top of that, one must check the tax obligations relevant to your jurisdiction. Some countries treat crypto salaries as taxable income, while other countries treat it as capital gains tax. Check with a professional in your area should you need to.
How To Pay With Bitcoin
If you’re looking to pay employees in Bitcoin you will first need to get Bitcoin. You can acquire the cryptocurrency in one of three ways: mining, buying or receiving it as part of your business’ income. Depending on the services your company provides, it is most likely that you will need to buy Bitcoin before paying workers, which you can do conveniently and securely through Tap.
When you pay your workers with cryptocurrency payments, you will send them a dollar-equivalent amount of Bitcoin, relevant to the price of Bitcoin at the time of transfer. For example, if the price of Bitcoin is $50,000 and you owe them $2,500, you will need to send them 0.05 BTC.
Most exchanges will calculate this for you, showing the current dollar/crypto exchange rates. Tap also ensures that users receive the best price on the market at any given time through smart trade technology.
How To Get Paid In Cryptocurrency
For contractors who want to get paid in Bitcoin or other digital currencies, the approach is much the same only in reverse. However, you’ll need to consider what you want to do with the cryptocurrency you receive, and how you will store it.
Tap provides the perfect solution to both options as you can securely store your Bitcoin and other cryptocurrencies in the wallet provided, while also being able to use your crypto or fiat balance to pay fiat bank accounts and municipal bills and make other payments.
Receiving and sending crypto is simple. All you need to do is open your Tap app, select the cryptocurrency you would like to receive and locate the relevant wallet address. Share this with your employer and the funds will be deposited directly into your account. Yes, it's really this easy.
In Conclusion
There are several advantages for businesses that pay their employees or freelancers in Bitcoin, as well as contractors who want to get paid in Bitcoin. These include fast, low-cost, and secure transactions regardless of where the parties are located, as well as access to a global market of employment and labor.
It's the perfect way to optimize operations, lower expenses, and find the best man for the job.