Diversification has become the top driver for crypto investment in 2025, with rising ETF demand and lingering regulatory gaps shaping investor behavior.
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Portfolio diversification has overtaken the pursuit of the “crypto megatrend” as the top reason for investing in crypto in 2025, according to Sygnum Bank’s new Future Finance Report 2025.
According to the , 57% of respondents now view diversification as their primary motivation for investing. This surpassed last year’s top driver, exposure to crypto’s long-term upside, which fell from 62% to 53%.
“This could indicate that crypto is now being used more deliberately as a core portfolio component, with its perceived diversification benefits taking precedence over chasing pure upside potential,” Sygnum wrote.
While diversification leads, 45% of respondents view crypto, particularly Bitcoin (), as a safe-haven and macro hedge, driven by rising sovereign debt loads, inflation concerns, geopolitical tensions and falling trust in fiat currencies. Interest in crypto as a “new alternative asset class” declined to 28%.
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Crypto ETF demand climbs
The report also noted a maturing market environment, with the adoption of regulated derivatives, corporate balance-sheet growth and a surge in exchange-traded fund products contributing to broader confidence. More than 150 crypto ETF applications are pending in the US, and 70% of investors say they would increase exposure if staking is permitted in future products, particularly Solana () and multi-asset ETPs.
About 70% of surveyed investors said they would increase their allocations to crypto ETFs if staking yields were included. Even those already interested in Bitcoin () and Ether () ETFs indicated that their allocation decisions.
Sygnum said high-net-worth individuals (HNWI) represent the largest cohort in this year’s survey, often allocating 10%–20% or more of their investable wealth to cryptocurrency. Ninety percent of these investors said that crypto was important for long-term wealth preservation and legacy planning, with more than half strongly agreeing.
Related:
Regulatory gaps top barrier to crypto investment
Regulatory uncertainty remains the biggest barrier to crypto investment, cited by 40% of respondents, ahead of custody and security concerns at 38% and asset volatility at 36%. This is notable given the across the US and Europe in 2025.
Meanwhile, 80% of respondents said regulatory clarity had significantly improved since 2025, an 11-percentage-point increase. About 83% also agreed that recent US policy shifts have strengthened crypto’s investment case.
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