According to the "Future Finance Report 2025" released by Sygnum Bank, portfolio diversification has surpassed the pursuit of the "crypto mega trend" and has become the primary reason for investing in cryptocurrencies in 2025.
The report shows that 57% of respondents now view diversification as their main motivation for investment. This exceeds last year's primary driving factor—gaining exposure to the long-term upside potential of cryptocurrencies, which dropped from 62% to 53%.
Sygnum stated, "This may indicate that cryptocurrencies are now being more consciously used as a core component of investment portfolios, with their perceived diversification benefits taking precedence over the pursuit of pure upside potential."
While diversification ranks first, 45% of respondents view cryptocurrencies, particularly Bitcoin (BTC), as a safe-haven asset and macro hedge tool, driven by the rising burden of sovereign debt, inflation concerns, geopolitical tensions, and declining trust in fiat currencies. Interest in cryptocurrencies as a "new alternative asset class" has decreased to 28%.
The report also notes that the market environment is maturing, with the adoption of regulated derivatives, growth in corporate balance sheets, and a surge in exchange-traded fund products enhancing broader confidence. There are over 150 crypto ETF applications pending approval in the U.S., and 70% of investors indicated they would increase exposure if future products allowed staking, particularly in Solana (SOL) and multi-asset ETPs.
About 70% of surveyed investors stated they would increase their allocation to crypto ETFs if staking rewards were included. Even those already interested in Bitcoin (BTC) and Ethereum (ETH) ETFs indicated that staking would significantly influence their allocation decisions.
Sygnum noted that high-net-worth individuals (HNWI) represent the largest group in this year's survey, typically allocating 10% to 20% or more of their investable wealth to cryptocurrencies. 90% of these investors believe that cryptocurrencies are important for long-term wealth preservation and estate planning, with more than half strongly agreeing with this view.
Regulatory uncertainty remains the biggest barrier to crypto investment, mentioned by 40% of respondents, ahead of custody and security issues at 38% and asset volatility at 36%. This is noteworthy given the significant regulatory progress expected in the U.S. and Europe by 2025.
Meanwhile, 80% of respondents indicated that regulatory clarity has significantly improved since 2025, an increase of 11 percentage points. About 83% also agreed that recent policy shifts in the U.S. have strengthened the case for investing in cryptocurrencies.
Related: South African Central Bank Lists Cryptocurrencies and Stablecoins as Financial Risks
Original: “Sygnum: Portfolio Diversification Becomes the Main Driving Force for Crypto Investment in 2025”
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