Cryptocurrency Investment in Ukraine: What to Know in 2025, How to Reduce Risks and Avoid Losses
Investing in cryptocurrency remains one of the most controversial yet attractive topics for many Ukrainians. However, the popular myth of “getting rich quick” has long failed the reality check. This is recognized by Mykhailo Patsan, an expert in cryptocurrency and emerging technologies, and founder of the Web3 University Learn to Earn Global.
“Investing in cryptocurrency is not a quick way to get rich, but a long-term and systematic effort. By putting in money, you can either make a profit or lose everything quickly, as predicting price movements is almost impossible,” the expert emphasizes.
Despite the risks, there are proven strategies in the market that can help reduce volatility. One of them is DCA (Dollar Cost Averaging) the strategy of investing equal amounts over time, regardless of the asset’s price. According to Mykhailo Patsan:
“For example, you decide to invest $6,000 in bitcoin by the end of the year and buy $1,000 worth each month, regardless of the exchange rate. This way, you accumulate the asset, and then you forget about it for three years. And you are highly likely to make a profit.”
The idea behind this strategy is not to catch the lowest price, but to spread the risk over time. This approach suits both beginners and those who don’t have time to monitor the charts daily.
Another important rule highlighted by the expert is fixing your profits on time. If the value of your asset has increased three to five times, it’s worth considering selling. Mykhailo Patsan gives an example with bitcoin:
“In 2022, bitcoin was worth $16,000-25,000, and now its price is four times higher.”
This is a clear illustration of how volatility can work in favor of patient investors, but it is also a reminder that prices can go down just as quickly.
Which Instruments Are Considered Safe
For those not ready for the risks of cryptocurrency, the expert recommends stablecoins like USDT or USDC as a way to keep capital in digital form. “With staking, they can bring about 12% annual returns in dollars,” Patsan notes.
However, even stablecoins, while maintaining a stable price, carry other risks such as dependence on exchanges and platforms.
Conservative Alternatives: Bonds and Land
Mykhailo Patsan advises not to limit yourself to cryptocurrencies alone, but also to consider conservative instruments. For savings in hryvnia, he considers Ukrainian government bonds (OVDP) the best option:
“If you have money in hryvnia and want to keep its value as safely as possible buy OVDP. Today they offer about 17% annual returns. This is a very good rate, though it may decrease over time. If you have dollars, look at American Treasuries. These are also government bonds, and their yield is about 4.5-5% per year.”
He also points out that land remains a stable asset:
“Land may be less liquid than bonds or crypto, but rental rates always rise with inflation.”
When it comes to starting out, Patsan emphasizes that the most important thing is your goal, not the amount.
“You can even start with a small amount: for example, invest a thousand hryvnias a month in bonds, and you can start with just ten dollars in crypto. But to make real money, you need much larger amounts,” he believes.
The Main Risk: Lack of Experience and Understanding
Special attention should be paid to risks. Experience in one field does not guarantee automatic success in another.
“You can be great at logistics and still fail in the stock market because it’s a completely different story with different rules,” the expert stresses.
He also warns against complex financial instruments:
“Futures, options, or derivatives are especially dangerous for beginners: without deep preparation and knowledge, they are more likely to eat up your capital than bring you profit.”
What Regulation Will Change
Recently, the Verkhovna Rada (Ukrainian Parliament) adopted a draft law on regulating the circulation of digital assets in the first reading. Patsan notes that supporters see this as a step towards transparency for businesses and investors, while critics point out that passing such a law during wartime is risky and creates additional economic challenges.
Investing in cryptocurrencies is a balance between potential profit and high risk.
There is no universal strategy or guarantees.
Experts advise:
- Diversifying your risks,
- Clearly defining your goals,
- Being prepared to lose your investment,
- Investing only in instruments you understand well,
- Not chasing instant wealth.
In a world where money and markets change daily, common sense and caution remain the most important guidelines for every investor.
About the Author
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