Crypto in 2025 – Will it be a sparkling paradise of riches or a dystopian graveyard? Is time running out for you to build a fortune in just a few short years? See, the problem is everyone tells you either the extreme good or bad, all depending on their personal interests. Maybe they want you to buy a coin because they are heavily invested in it. Or they want you to avoid another one because that’s in their interest. So I thought it would be valuable to take an impartial look at what we could expect by 2025. Let’s dust off the old Crystal ball and start with a hard-hitting question.
Will Physical Money even exist in 2025?
Let’s imagine you’ve revved up your old DeLorean and jumped forward in time. What’s your bank account looking like? Are Fiat currencies dead? I know it sounds a bit ridiculous, but in 2019, three out of ten Americans didn’t carry any cash, and ATM usage has been dropping by 10% every year. But will cryptos fill that void?
The opinion is divided sharply. It’s hard to imagine cash completely dying. Less use, sure, but completely dying? I doubt it. There will always be a desire for untrackable value exchange. That’s what cash does. In order for crypto to fill that void, we’d have to see major adoption of a stable coin. Perhaps Bitcoin would be the asset backing the new crypto dollar that we all decide to get behind. And that means Bitcoin’s price would surely shoot up. Either way, crypto tech isn’t going to disappear and neither is Fiat cash.
But that doesn’t mean it can’t be fundamentally changed or limited. What we’re likely to see are more options. Some will be government-backed, others won’t. Some will be stable coins, others will be volatile. People will buy and use the tokens that make sense to them, and failures will disappear into the blockchain graveyard, joining thousands of others that preceded them.
If you think about it, it’s just like every other product or service ever invented. When people want something, they buy it. They use it. It’s that simple. The coins that people don’t buy or use will disappear and the fittest will survive. This is a net win for the average person.
So what’s the verdict on the adoption of crypto in 2025?
Crypto adoption continues to grow but doesn’t fully replace the cash
How much will Bitcoin be worth in 2025?
$10,000? A million dollars? $0.17? Somewhere in between? How can analysts confidently predict what the price will be in three years’ time? Well, I have a secret for you. They can’t. But that doesn’t mean you need to go in completely blind. You can pick up insights and calculate the fair value by looking at supply and demand, competition, and the cost of production.
Now, it’s not as easy to do this with crypto as it is for coffee, oil, Twinkies, or other essential commodities. But it is possible. 2025 Bitcoin price predictions are all over the place, from under $100,000 to up and over a million. Looking at the price history of Bitcoin, it’s easy to see why most believe it’ll only increase from here. Yet this is no guarantee of the future.
The bank of England deputy governor said that Bitcoin could theoretically or practically drop to zero. Now that’s a bit dramatic, but the real question is, how do you work out the future price of crypto? Will Dogecoin carry on making millionaires or will its decline continue? What started as a fairly lame joke about a dog reached a market cap of $85 billion in May 2021.
But what does Dogecoin even do? People use it to exchange money or buy things, it’s popular for online tipping. A Dogecoin is basically a cute copy of Litecoin, which is a spin-off of Bitcoin with faster transactions. And we see that a lot in crypto, it’s like copies of copies with small tweaks.
So which coin will be worth the most in 2025
This brings us back to the idea of intrinsic value. A leaked note from Goldman Sachs suggested that Ethereum could overtake Bitcoin as the most valuable crypto because it has the highest real use potential. But does that mean it will be the top dog in 2025? It’s not impossible to imagine.
See, there’s a difference between value and production of value. Take gold. It has value and utility, but it doesn’t produce you any cash. Compare gold to something like real estate. It both has value and can produce cash. The fact that real estate can produce cash means we can figure in the expected future return from that property on top of the actual cost of the property, meaning it’s actually worth more than it costs.
If we translate this to crypto, Bitcoin is like gold. It has value and utility. Ethereum and other general-purpose blockchains are more like real estate. They have value, but they can also be stakes for income or even further. Businesses can be built on top that produces real cash. Because of this, we may see a day where an Ethereum-type service could pass Bitcoin in total market cap, and it could happen before 2025. So we can say that in 2025 some coins prove their intrinsic value, and others fail to do it.
What could put crypto in its grave by 2025?
This is a fast-moving industry. Year over year, the space completely changes, both with new advancements as well as bigger threats. What if emerging technology was capable of smashing into any crypto wallet and grabbing the money completely? Bitcoin wouldn’t be worth anything, or if all tokens in the world were grabbed by some angry government or by a giant swooping T-Rex.
Okay, those examples are a bit unbelievable. There’s no way a T-Rex could do that with its tiny arms. But the point is, that the future of cryptocurrency is extremely unpredictable. But maybe there are individual parts that we can safely predict. Just to give a slightly more clear picture of what the future might be, here’s a good question to ask.
Will more people want to buy crypto in 2025 than today?
You could argue that crypto dipped into the mainstream in 2021. Prices went sky high. Even my 84-year-old grandpa holds Bitcoin now. For any crypto to increase in price, you need people actually holding and ideally using the coins, and that means making it easier for people to buy and sell. This is something that’s thankfully gotten much easier in the past years, but still has a long way to go.
Purchasing the big cryptos has never been easier. Just about every money-related app offers some kind of feature to do so, and more dedicated services. Like FTX has a ton more additional features you can choose from if you’re a trader, if you’d like a wider selection of coins to invest into, or if you’re into NFTs or other digital assets.
But while purchasing has become very accessible, other aspects are not so much DeFi, for example, decentralized finance, being your own bank. If you want to harness any of the greatest opportunities in crypto, you currently have to be very well-versed to get anything done without feeling like you’ve just jumped into the fourth dimension. And this is a big concern of mine.
I’ve talked to tons of developers in the space and many seem to miss the point. See, there’s an issue when you’re so deep into a space, you work in it, your friends work in it. It’s all you think about. You forget what it’s like to be a beginner. Because of this, many developers build things with the advanced user in mind, not the average everyday customer who just wants to start earning extra interest on their money or get into staking or whatever they might want to do.
I believe we’ll continue to see a move towards more and more accessibility. However, the state of crypto in 2025 will really rely on the effort behind this push. It won’t just happen automatically. If companies start focusing more and more on the average customer, we will see an explosion in the space as long as regulations don’t get in the way.
Let’s sum up whether Usability will be positive or negative by 2025.
Usability is growing but we need to accelerate
Are cryptocurrencies fairer than Fiat money?
I mean, that was the entire goal when they started, right? A global currency is not controlled by any one person or entity. Or is it just a front for something else? There have been all sorts of controversies enabling criminal activity, scams and rug poles, and environmental concerns. Bill Harris, he’s the former CEO of PayPal. He called Bitcoin the greatest scam in history. However, PayPal now allows you to purchase Bitcoin hahaha…
So, you know, We’ve seen this uphill battle for Bitcoin where it starts in your mind as something that just feels like it’s got to be a scam, but then you warm to it eventually, and then you probably buy it. This is happening across the globe. El Salvador even became the first country to accept Bitcoin as legal tender, a huge move for the industry. But that hasn’t gone exactly to plan.
Dina Ponce might have a solid claim to being the world’s first coconut vendor to accept Bitcoin. And while sales increased thanks to her acceptance of crypto, she expected the value of Bitcoin to rise as well, giving her even higher returns. And that’s part of the problem. Everyone wants crypto to be some sort of miracle. Bitcoin made it easier for Dina to sell coconuts, but it can’t turn them into solid gold.
The Central African Republic just made Bitcoin legal tender, too, and that’s one of the poorest countries in the world. So this is a great chance to see what effect Bitcoin has if any. So can cryptos make the world better? Because if they can, they will increase in value. A major goal since the beginning has been to reduce the size of the global unbanked population. Will digital money mean no one is left out of the financial system? Or will cryptos just make the rich richer and leave everyone else disappointed?
Take Caroline, she knows firsthand how crypto has changed people’s lives. Her family used to send money from the Dominican Republic to New York and sometimes paid $100 just to make the transfer. But in 2019, Caroline learned how to use the cryptocurrency Zcash, and she can now move money between the countries at next to no cost.
That’s a wonderful example of crypto in action, doing what we all hoped it would do. There were 1.7 billion unbanked adults in the world in 2017. Can the blockchain help these people? In many ways, yes. This goes beyond payments. There’s an emerging industry aiming to solve other issues as well, like business loans, decentralized insurance, and, of course, money-making opportunities.
All this sounds amazing, but why does Vitalik Buterin worry so much about the future? The co-founder of Ethereum has realized that this is all a double-edged sword. The network has helped unbank people, but he’s concerned about the dystopian potential of crypto, money laundering, tax evasion, hacking, and enabling the rich to just get richer.
Who has benefited more from the crypto boom in the last few years, the rich or the poor?
An investment of $100 when Bitcoin was young would have made you a millionaire today. The chance to make massive profits by 2025 is, of course, lower. An investment of $100 right now could make maybe $400 or $500 by 2025, maybe more, maybe less. It’s still a great return, although perhaps not as much as you may hope for.
Many people who have made big money were already rich and could afford to throw some cash into a brand new, completely risky space back when it was tiny. I worry that the ground floor-type opportunities Are going away now that we’re seeing big venture capitalists behind nearly every anticipated token release. But I don’t want to make it sound like it’s impossible. It just takes more work now. In order to make a massive return by 2025, you’ll absolutely need to buckle down on research and monitor trends.
Are new regulations going to kill crypto by 2025 or make it better?
Governments all over the planet have cryptocurrencies on their sites. And this is a tricky balance because the perfect regulation increases safety but doesn’t slow innovation. A push too far can cripple the tech. In the US, a lot of regulatory eyes are on stablecoins, tokens pegged to the dollar. The European Union is developing new regulations to “protect its citizens”. And China’s being China, banning crypto every other month. Then we have CBDCs, this term being thrown around a lot. That’s central bank digital currencies, a stablecoin that’s backed by a country.
The idea is that people would be able to transact on the blockchain with more peace of mind. But some people believe that this is just another control tactic. Analysts think we could see these digital dollars in many major countries by 2025. But could this tech actually kill Bitcoin, or will it just encourage more of us to own different types of cash?
On the surface, they go against many of the principles of the blockchain that people hold dear. The whole point is decentralization. So a government owning it doesn’t really work. But having said that, A government-issued digital cash does add legitimacy to the crypto industry. The average person will think, how bad could crypto be if the government is dealing with it? This could speed up the transition to other cryptocurrencies by making them feel more normal.
The regulation also means fewer scams and rug pulls. But again, this is a fine balance. Regulations can go too far, strangling the industry and causing prices to plummet.
We can actually gain some insights here by looking back at the stock market. Specifically the black Tuesday crash of 1929, and led us to the great depression. Jobs were almost impossible to find in the aftermath, families have ripped apart and garbage piled up on the streets.
After this, the securities exchange act brought more regulation to the American stock market. This meant there was less quick cash to be made, but it also made it easier for people to invest with confidence. If crypto regulations are done well, this could be a new controlled boom period for investing, as long as the government doesn’t overstep its bounds. And if they do, there’s only one thing we can be sure of- VPNs will sell like hotcakes.