Should I Get Into Crypto: Key Factors to Consider

Should I get into crypto? This is a question on the minds of many newcomers as digital assets continue to reshape the financial landscape. With evolving regulations, institutional adoption, and new technologies, understanding the current state of crypto is essential before making any decisions. This article explores the latest developments, regulatory shifts, and practical considerations to help you decide if entering the crypto market aligns with your goals and risk tolerance.

Regulatory Landscape: What’s Changing in Crypto?

As of June 2025, the regulatory environment for cryptocurrencies is undergoing significant transformation. The passage of the GENIUS Act on July 18, 2025, marks a pivotal moment for stablecoins and the broader crypto industry. According to CryptoSlate, this legislation introduces a three-year transition period, after which only federally permitted stablecoin issuers can serve U.S. customers. The rules are expected to be finalized by early 2027, with full compliance required by mid-2028.

Key points from the GENIUS Act include:

• Stablecoins must be backed 1:1 by cash, bank deposits, or U.S. Treasury bills.
• Issuers must operate under federal or approved state regimes, with strict disclosure and compliance requirements.
• Non-compliant stablecoins will lose access to U.S. platforms, affecting liquidity and market structure.

This regulatory clarity is designed to protect investors and integrate crypto more closely with traditional finance, but it also means higher compliance costs and potential barriers for smaller or experimental projects.

Market Trends and Institutional Adoption

The crypto market continues to demonstrate resilience and growth, driven by both retail and institutional participants. For example, a recent Whale Alert report highlighted the minting of 250 million USDC, one of the largest stablecoin issuances this quarter. Such events often signal increased institutional activity and liquidity entering the market.

According to rwa.xyz, Ethereum and its layer-2 solutions now host over $15.7 billion in real-world asset (RWA) markets, accounting for 44% of the sector. This trend underscores the growing role of blockchain infrastructure in mainstream finance, with Ethereum serving as a preferred settlement layer for regulated assets.

Meanwhile, companies like Ripple are advancing institutional integration. As of June 2025, Ripple is applying for a national trust bank charter, aiming to bridge traditional banking and digital assets. These developments suggest that the crypto ecosystem is maturing, with increased oversight and broader acceptance among established financial institutions.

Risks, User Concerns, and Common Misconceptions

Despite the opportunities, entering crypto comes with notable risks and challenges. Security remains a top concern, as high-profile hacks and scams continue to affect both centralized and decentralized platforms. Regulatory uncertainty, especially during the transition period under the GENIUS Act, may also impact asset availability and market access.

Retail users often face a dilemma between privacy and protection. Many value the anonymity and self-custody offered by crypto, but demand regulatory intervention when faced with fraud or loss. As Eli Cohen, Centrifuge’s chief legal officer, noted in a recent interview, there is a contradiction: users want freedom until something goes wrong, then seek regulatory safeguards.

Common misconceptions include:

• Assuming all cryptocurrencies are equally safe or regulated.
• Believing that blockchain transparency eliminates all risks of manipulation or insider trading.
• Overlooking the impact of new regulations on asset availability and platform operations.

It’s crucial to understand that while blockchains offer transparency, off-chain activities and evolving rules can still introduce significant risks.

Practical Steps and Tools for Newcomers

If you’re considering whether you should get into crypto, start by educating yourself on the basics of blockchain technology, wallet management, and regulatory requirements. Use reputable platforms like Bitget for trading and Bitget Wallet for secure asset storage. Always verify the compliance status of any asset or service, especially as new rules come into effect.

Monitor market developments, such as large stablecoin minting events, as these can indicate shifts in liquidity and institutional interest. Stay updated on regulatory timelines—by 2027, the GENIUS Act will reshape which assets and platforms are accessible to U.S. users.

Remember, the crypto market is dynamic. What’s permitted or popular today may change as new regulations and technologies emerge. Approach every opportunity with caution, and never invest more than you can afford to lose.

Further Exploration and Staying Informed

The question "should I get into crypto" has no one-size-fits-all answer. It depends on your risk appetite, investment goals, and ability to adapt to a rapidly changing environment. The upcoming years will see increased regulatory clarity, deeper institutional involvement, and continued innovation in DeFi and blockchain infrastructure.

To stay ahead, follow updates from official sources, industry news, and platforms like Bitget Wiki. Explore educational resources, join community discussions, and leverage secure tools to manage your digital assets. As the landscape evolves, informed participation will be your best asset.

Ready to learn more? Dive deeper into Bitget’s resources and discover how you can navigate the next chapter of crypto with confidence.