Is It Safe to Invest in Bitcoin Today?

Bitcoin investments will likely always remain attractive, but how safe are they? In this article, we will explore when, how, and why to invest in digital gold, what risks are involved, and which global trends are working for and against cryptocurrencies.

Bitcoin past, present and future

On December 18, 2017, Bitcoin approached the $20,000 mark amidst retail market frenzy. Today, the Bitcoin market is dominated by large institutions, and average private investors have practically lost the ability to influence its price. In most jurisdictions, including the most important one, the United States, Bitcoin is recognized as an investment asset. ETF funds have been created to invest in Bitcoin and some other crypto assets. US legislation has become crypto-friendly.

However, Bitcoin remains highly volatile and has not become a safe-haven asset like traditional gold. Bitcoin behaves as a market asset, responding primarily to the price of money in the market (US interest rates). The more cheap money (low interest rates) there is, the more investment flows into Bitcoin (price increases). The greater the market uncertainty and investor fear, the harder it is for Bitcoin to grow - unlike gold.

What does the future hold? Fundamentally, a decrease in the Federal Reserve's interest rate will support Bitcoin. Short-term growth impulses may arise from political statements. Significant potential lies in the Bitcoin blockchain itself, which is essentially unused and serves merely as a visual proof of the decentralized ledger's stable operation. One way or another, Bitcoin will not lack attention in the coming years, meaning it will continue to excite investors' minds while riding the price rollercoaster.

Never-ending currency debasement

The devaluation of fiat currencies is often cited as a stimulus for the growth of Bitcoin's price as a digital asset with a deflationary emission model. The fact is that Bitcoin's emission indeed halves every four years, and the total number of coins cannot exceed 21 million. However, approximately 95% of all Bitcoin emission has already been mined, and extracting the remainder will take over a hundred more years. This is too slow a process to exert short-term influence on Bitcoin's price.

Globally, there are essentially three approaches to Bitcoin: HODL (hold and accumulate in any situation), criticize (disbelieve in Bitcoin's prospects), and speculate (treat it as a regular exchange-traded asset). Significant influence on Bitcoin is periodically exerted by so-called "whales"— mostly early long term investors holding large BTC balances on their books, who reduce them for their own reasons.

Thus, the devaluation of fiat currencies has an extremely limited impact on Bitcoin.

Will bitcoin or other cryptocurrencies become the new global currency?

Let’s ask ourselves: what is a global currency? It is an attractive, liquid asset for global trade. Today, this is primarily the US dollar. Is Bitcoin ready to stand alongside the dollar? Currently, dollar-denominated settlements account for over 50% of world trade, while Bitcoin's share is fractions of a percent, and this is unlikely to change anytime soon. Bitcoin is clearly inconvenient for payments and serves more as an investment or speculative asset. However, this does not negate its value, just as it does not negate the value of other similar assets, like gold. No one in the world today pays for goods or services with pure gold.

Over a century ago, Henry Ford published an article about the future energy-based currency that would break the banks' monopoly on the financial system. However, the banking system isn't all that bad, and everything that works and is familiar does not necessarily need fixing.

Thus, in the foreseeable future, Bitcoin is not destined to become a new global currency. But this does not mean it will lose value. For example, no one will mint coins from gold to replace the dollar—gold does not become worse or cheaper because of this. In other words, Bitcoin does not need to be a global currency to preserve its value and worth. Let's settle on this: Bitcoin is a risky digital asset that retains significant potential for development and growth, possibly in the most unexpected directions.

Can bitcoin be used to hedge against inflation?

Bitcoin can be used to hedge against the inflation of fiat currencies in the long term. All else being equal, it remains a naturally scarce asset and therefore has an advantage over currencies. Export-oriented states often engage in games of devaluing their own currencies to maximize earnings by boosting export volumes and increasing foreign currency revenue.

If the global financial system retains its current form (and there is currently no doubt about that), Bitcoin could very well become a form of hedging against currency devaluation. However, it's important to understand what currencies are devaluing relative to. If it's relative to each other, then some currencies are appreciating; if it’s relative to gold, then gold is appreciating.

How are cryptocurrencies taxed?

An understanding of cryptocurrency-related tax rules in different jurisdictions is a major advantage for any investor looking to minimize legal risks. Here is a general overview of how to stay compliant with the law while investing in crypto in several countries.

United States: The IRS treats cryptocurrencies as property, not currency. This means any transaction, such as buying or selling, is a taxable event. Mining is no exception — you are acquiring an asset which you can later sell. Mining income is taxed as ordinary income, with the value of the mined asset determined at the time of receipt. Don't forget about reporting — it is an absolute requirement for all miners in the U.S.

Germany: Long-term Bitcoin holders in Germany can benefit from the favorable regime provided by German legislation. If you are a private individual and have held your bitcoins for more than a year, their sale is not taxed. For amounts up to €600, selling bitcoins is not a taxable event regardless of the holding period. In all other cases, income from selling mined bitcoins is subject to income tax unless the activity is considered professional/commercial. For professional mining, a strict tax regime applies.

Switzerland: Switzerland is quite friendly to the crypto industry. Here, as in Germany, private investors enjoy a comfortable regime that exempts them from taxation. However, mining and professional trading are considered taxable activities, depending on the canton or municipality. Additionally, a wealth tax is widely applied in Switzerland.

United Arab Emirates (UAE): The UAE is a cozy tax haven. There are no taxes on cryptocurrency operations, including mining. This is very attractive for investors. However, reporting and control over electricity usage are still enforced, even in the UAE.

Hong Kong: Capital gains tax does not apply in Hong Kong. You can trade cryptocurrency with confidence that, as a private individual, you won't have to pay tax. If mining is your professional activity and you run a business in Hong Kong, you will have to pay profits tax.

United Kingdom: The nature of your cryptocurrency activity determines which taxes you will have to pay. If you invest or hold, capital gains tax applies (here, you need to actually realize that gain). Mining is subject to income tax. Ensure you maintain proper records and document every transaction!

What are some risks of directly owning bitcoin and other cryptocurrencies?

Cryptocurrencies are considered risky assets, and Bitcoin is no exception. The primary risk of investing in cryptocurrencies is related to the market, as digital assets are highly volatile, unlike stocks. Next come issues of security, the safekeeping of private keys and passwords, and the reliability of exchanges and other trading or storage applications . Different jurisdictions have varying approaches to regulating cryptocurrencies. Therefore, when you invest in bitcoin, it's crucial to understand the legal framework you are operating within.

To invest in bitcoin successfully, you need to consider all these factors, have your own strategy, and have a profound understanding of what drives the market. It's not even about trading skills, but rather about whether you can sleep peacefully with an investment asset on your balance sheet whose price can fluctuate tenfold. Do you have enough faith that you will earn, not lose, money?

Risk tolerance is a key concept when investing in cryptocurrencies, including Bitcoin. If you can manage risks, it means you understand the importance of diversifying your investments across different assets and platforms. If you make bets (following the "all-in on red" principle), be prepared for a tough game. Even if you win once, you probably won’t stop and will continue to fall until your deposit is completely wiped out. Stick to a long-term investor strategy—don't rush and execute your own plan no matter what.

Should you invest in bitcoin today?

As of early December 2025, the market is experiencing a typical 30% pullback from its highs. This does not necessarily mean the decline for Bitcoin and other cryptocurrencies and tokens is over. It simply means cautious investment can begin, so as to start accumulating Bitcoin at these attractive levels.

To successfully invest in bitcoin, you should seek out moments of maximum pessimism or even panic in the market. The best entry points are precisely when Bitcoin appears least attractive , as that is typically when a reversal occurs. However, every trade involves two phases—buying and selling. Exiting a position requires as much deliberation as entering one; otherwise, you won't realize a profit.

Thus, entering Bitcoin today is justified, but don't consider this the only viable opportunity. Start investing gradually in your Bitcoin accumulation strategy. We do not recommend speculating on the market. Set long-term growth targets for yourself, but don't try to revise them if the market returns to a state of euphoria and sets new record highs.

How to invest in bitcoin

You can buy bitcoin, or you can invest in its production. Digital gold can be considered a product of mining, meaning that by investing in an enterprise that "produces bitcoin," you are no longer speculating on bitcoin but investing in the means of its production. This behavior distinguishes an investor from a speculator. Indeed, Bitcoin mining today is no longer a hobby for enthusiasts but an infrastructural endeavor, viable only for large-scale businesses.

Today, it is futile to attempt building your own mining farm as a way to invest in mining — you won't be able to maintain its operation over the long term while simultaneously replacing equipment with more energy-efficient models as the market demands. The most rational way to invest in Bitcoin mining today is through equipment hosting in ready-made data centers.

For example, Cuverse offers miner hosting in its data centers. This means you can select and purchase mining hardware that is already installed at Cuverse facilities and ready to operate. You will save significant funds on purchase and logistics by utilizing Cuverse's offer! Choose your miners and put them to work! You will receive your first mining rewards within two days.

Is it too late to buy crypto?

It is never too late to buy cryptocurrency, especially if you want to buy bitcoin. The market entry point is your personal decision, but it should not be based on emotions. This means buying during pullbacks. Or, if you want to start right now—buy a small amount and set a buy order at a lower price.

You can buy bitcoin, or you can mine it. These are different strategies: investing in bitcoin versus investing in bitcoin mining. You can accumulate bitcoin through mining rather than through direct purchase — this is more exciting and promising, and you will gain much more experience through learning to assess bitcoin's true value as a mining product.

Cuverse offers a simple path: invest in bitcoin mining through equipment hosting, which means mining in a state-of-the-art data center using all the capabilities of a major mining company. With this approach, you will never have to wonder whether it's too late to buy cryptocurrency — you will be mining it!

Is cryptocurrency safe?

When buying cryptocurrency, follow all security measures. A cryptocurrency exchange is a reliable seller, but what if you decide to buy bitcoin on the over-the-counter (OTC) market? “How safe is bitcoin?” You will need to gain an understanding in each specific case, and the answer to that question largely depends on the seller. Beware of unverified platforms and significant deviations from the exchange rate.

In reality, there is no actual need to buy bitcoin elsewhere. You can buy it on an exchange, or you can mine it yourself. Bitcoin mining is an exciting activity, but it requires technical knowledge and initial investment. Cuverse has spent years building and developing its own mining infrastructure and is now sharing it with users. Here, you can choose a miner and operate it under hosting terms (placement in Cuverse's data center), earning all the bitcoin you mine.

This is the least risky and most rational way to add bitcoin to your balance. Work on verified equipment, pay for affordable electricity, and receive a daily income.

How do cybercriminals steal crypto?

Cybercrime is an inseparable part of our lives, and everything related to cryptocurrency carries triple risks. The main rule is to maintain absolute confidentiality when storing passwords, seed phrases, and access keys. Never photograph them, store them on your phone, and especially never send them via messengers. This is equivalent to losing funds, even if it doesn't happen immediately.

There are more subtle aspects. For example, never copy recipient wallet addresses from a list of past transactions. Malicious actors often manipulate transaction history so that a payment to a wallet with a similar-looking address appears there. Once you copy it, you’ll lose your funds by sending them to a sham address.

When buying altcoins, especially on decentralized exchanges, pay attention to whether the coin might be a clone. Transactions in cryptocurrency cannot be reversed; there is no central authority to complain to. One wrong move - and the money is lost forever. Remember that you are solely responsible for your funds. Do not act impulsively, do not let emotions guide you - always handle cryptocurrency transactions with a cool head!

Bottom line

So, is it safe to invest in Bitcoin today? The answer is definitely yes, as long as you follow simple rules and don't let emotions guide you. You can invest in Bitcoin directly by buying it on an exchange. Do not buy cryptocurrencies on unverified platforms or from unfamiliar sellers. Such transactions may be successful, but the likelihood of losing funds increases with frequent repetition.

You can not only buy Bitcoin but also mine it! This is a much more interesting strategy because Bitcoin mining is essentially a production process. By investing in production, you become an actual investor in a Bitcoin-producing enterprise. However, this doesn't mean you should build your own mining farm. You can leverage ready-made computing power in Cuverse's data centers.

Buying a miner under hosting terms is profitable and efficient because this miner doesn't need to be shipped anywhere — it's already in place, in a state-of-the-art data center and ready for operation. Low electricity tariffs will maximize your mining profitability, and Cuverse specialists will handle all technical aspects. Earn daily mining rewards in BTC, controlling your mining through the convenient Cuverse app!

FAQ

Is bitcoin a good buy right now?

If you want to buy bitcoin—invest gradually. Buy bitcoin during pullbacks when you see fit. Don't try to speculate on small price movements—this won't lead to systematic profit. Develop a strategy: what do you intend to do with bitcoin? How much do you need to earn? Under what conditions will you sell it?

Choose whether to buy or mine bitcoin. If the latter sounds interesting — ponder mining. Bitcoin you mine yourself is a product; purchased bitcoin is just a commodity. You can invest in bitcoin mining with Cuverse and start operating in a state-of-the-art data center. You'll gain unparalleled experience and understanding of how bitcoin is born!

How risky is bitcoin?

Bitcoin is a risky asset. However, every asset has its own level of risk, and every user has their own risk tolerance level. You can take risks intelligently, or you can do so haphazardly. We offer a reasonable level of risk, most of which we assume ourselves. Cuverse is a major mining enterprise with developed infrastructure and access to cheap electricity. By mining with our assistance, you mitigate most risks, including market-related ones, thanks to the stable operation of computing equipment and the low cost of bitcoin production.

You can buy Bitcoin, or you can mine it. The latter is an exciting path to entrepreneurship where you partake in the production of digital gold. It is the least risky path for a user with strategic thinking and faith in Bitcoin.

Is it smart to invest in bitcoin right now?

We live here and now, meaning that it makes sense to do the things we want to do either immediately or after a brief "cooling-off period" to let our thoughts settle and avoid acting purely on emotion. Investing in bitcoin is profitable and engaging. Many large companies prove this with their strategic approach—for example, we all know the case of Strategy, a company that accumulates bitcoin regardless of circumstances and positions itself as a long-term, or even "perpetual," bitcoin investor.

Cuverse offers more than just accumulating bitcoin - by investing in mining, you are creating it yourself! That is, you are engaging in bitcoin mining using Cuverse's capacity. You can buy miners from Cuverse and host them in our data centers. The miners don't need to be shipped anywhere, so you'll have no logistics costs. Simply pay for the electricity consumed by your equipment and earn all the bitcoin it mines. Cuverse specialists will take care of all technical and regulatory aspects and protect your rights to your equipment.