Ahoy, Crew!
For most people the words “reliability” and “cryptocurrency” just don’t go together. And it’s easy to see why: one day an asset is worth $10 000, and the next it drops to $100 — what kind of saving can we talk about here?
But even with such high volatility the crypto market has its own blue-chips. Of course these coins (like all crypto) can easily dip 3 to 5 times in value, but at least you won’t see a 99% crash here.
And if you’re now asking yourself, “So why do I consider these assets safe then?”, here’s my answer: “By investing in such crypto assets for at least 5 years (and not selling in panic), you have a high chance of making a profit!”
What’s most important is finding the right trading strategy and stick to it no matter what. I’ll share more about one such strategy at the end of the article.
1. Long Live the King!
Bitcoin is the first cryptocurrency, created in 2009 by Satoshi Nakamoto.
Today Bitcoin is considered the “The gold standard” of the crypto world with many major companies and even entire countries holding part of their reserves in BTC.
Companies holding BTC as a reserve currency include: Tesla, Block, Hut 8 Corp, MicroStrategy, Galaxy Digital Holdings, SkyBridge Capital and many others.
Countries are holding BTC: The United States (213K), China (190K), The United Kingdom (61K). However, only El Salvador has accepted Bitcoin as a legal means of payment.
Also, in contrast to the global financial system, Bitcoin is a deflationary asset. Simply put, there are only 21 million coins in the world, and that number cannot be increased just at someone’s whim.
The conclusion is obvious: it would’ve been wise to invest in Bitcoin at least back in 2016. But considering how one economic crisis after another keeps unfolding around the world, in a few more years, this house might not even cost 1 BTC.
At the time of writing only about 562 million people invest in crypto. But by the end of 2026 that number could reach 1,5 to 2 billion and there are clear signs pointing in that direction. Just think how scarce BTC will be then.
2. The Father of All DeFi
Ethereum was founded by Vitalik Buterin in 2015 with the goal of expanding the possibilities of blockchain technology.
It was Ethereum that gave rise to the first smart contracts and decentralized applications, laying the foundation for the entire DeFi ecosystem.
A smart contract is a program code that is stored and executed on the blockchain. These contracts are automated and execute agreements between parties without the need for intermediaries.
If Bitcoin is called “digital gold,” then Ethereum can rightfully be called the “central computer.” After all, a huge number of both other blockchains and applications built to interact with them are based on Ethereum’s tech.
The impact of Ethereum on the world of cryptocurrencies can, without exaggeration, be compared to the invention of the wheel.
These technologies introduced entirely new earning models to crypto — ones that go far beyond the simple “buy low, sell high” approach.
Ethereum smart contracts are already being used in many major cities:
- In Dubai, blockchain technologies are applied across various sectors — from autonomous vehicles to urban resource management.
- In Moscow, the “Active Citizen” project has been launched, allowing residents to engage with the government and participate in city improvement initiatives.
- In Tallinn (Estonia), smart contracts are used in the e-Residency system, which enables foreigners to obtain digital identification and access the country’s electronic services.
Of course, all of this is still just at the beginning of its journey, but it’s possible that over time, blockchain and its technologies will become as deeply integrated into our lives as the internet!
In the end, BTC and ETH are the two assets that every crypto enthusiast should have in their portfolio.
3. What about altcoins?
I must say right away that no matter how cool and promising an altcoin is, it can easily drop by 99%. Therefore, the few coins listed below are nowhere near as reliable as Bitcoin & Ethereum!
If you’re planning to build a truly conservative cryptocurrency portfolio, your maximum allocation for altcoins should be 10% of your entire deposit.
Ripple [XRP] — Ripple (the issuer of XRP) is already actively collaborating with many large banks and financial institutions around the world. Their main goal is to create fast and inexpensive international transactions.
The technologies of this company are in demand, meaning the chance that your invested money will turn to dust becomes significantly lower.
Aave [AAVE] — the token of the largest lending market in all of DeFi. I believe there is no one in the world who earns from DeFi but doesn’t use AAVE. As long as DeFi exists, the AAVE coin will live!
Lending markets are digital banks in cryptocurrency that allow you to both borrow and deposit assets to earn passive income.
Chainlink [LINK] — a technology that allows smart contracts to safely access data from the outside world. Simply put, it connects blockchain with real-world data such as cryptocurrency prices, stocks, and more.
Example of use: imagine you have a smart contract for payment of rewards based on stock prices. Chainlink provides the contract with current stock price data so that it can function correctly.
I can’t specifically tell you whether to buy these cryptocurrencies right now or not, because at the very least, I don’t know «when» you are reading this article.
I recommend conducting your own research and viewing the assets above merely as an example.
4. Trading Strategy
When working in the cryptocurrency market, it’s crucial to be prepared for any situation. That’s why every investor should have a well-thought-out trading strategy to always be ready to buy their chosen crypto assets.
One such strategy is DCA (Dollar-Cost Averaging). Here’s the idea: you set an investment amount and frequency that are comfortable for you.
For example: $25 every week. That adds up to $100 per month. The most important part is to stick to this plan no matter what.
The market’s down? Great — I’ll buy more coins for my $25. The market’s up? Awesome — I’m in profit!
You can slightly modify the strategy. For example: I buy $25 worth of ETH every week, but only while the price is below $10,000.
Once the asset starts trading above that level, I switch to the opposite approach — taking profits by cashing out $25 per week.
Personally, I don’t plan to sell my Bitcoin and Ethereum at all, because I use them in DeFi. The more I have, the greater my overall income.
If you’re interested in learning how to earn through DeFi — you’re welcome to join my Telegram!
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In my personal opinion, we’re currently living in a time when not having crypto in your investment portfolio may actually be a riskier strategy than having it.
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