Confidence in digital assets is growing despite regulatory challenges
Key findings of the "Digital Assets in Germany 2025" study:
Confidence in digital assets is growing despite regulatory challenges
- Investment volume: Study participants invest an average of 29% of their total assets in digital assets
- Investment horizon: 76% of investors with more than 50% of their assets in digital assets plan to invest in the medium to long term
- Criticism: Before investing, crypto-sceptics expect better access to information and higher security measures
- Crypto assets: Bitcoin and Ethereum remain the favourites, Solana records strong rise
Berlin, 10 March 2025
Interest in digital assets continues unabated and investors are allocating a significant proportion of their total assets to these investments. This is shown by a study conducted by KPMG and BTC-ECHO with over 2,400 participants, which examined the investment behaviour and preferences of crypto investors in German-speaking countries in detail.
High interest in cryptocurrencies
Overall, as in the previous year, there continues to be a high level of interest in cryptocurrency. On average, respondents invest more than a quarter (29%) of their total assets in digital assets (2024: 27%). The average share of digital assets in the total assets of investors is thus rising steadily compared to the first survey in 2022. Over half (61%) of investors have invested more than 20% of their assets in digital assets. The majority (76%) of those who have invested a significant proportion of their assets (over 50%) in digital assets have a medium (3 to 5 years) to long-term (over 5 years) investment horizon. As in the previous year, there is a high discrepancy between registration on a crypto exchange and actual use. For investors, the most important criteria when selecting their preferred crypto exchanges are security (82 per cent, unchanged from the previous year), deposit and withdrawal options (66 per cent, up 1 per cent on the previous year) and transaction costs (66 per cent, up 4 per cent on the previous year). The number of tradable cryptocurrencies is once again gaining relevance compared to the previous year's study. Investors still tend to accept higher transaction costs for the security of their cryptocurrencies and services.
Digital assets such as cryptocurrencies have arrived in the centre of society. There are various reasons for this. On the one hand, regulations such as the European Markets in Crypto Assets Regulation provide more clarity and transparency, while on the other hand the market is following suit. The first Bitcoin ETFs are being authorised in the USA and traditional financial institutions in German-speaking countries are also offering their customers the opportunity to invest in digital assets.
Security concerns: market manipulation, regulation and financial crime as the greatest risks
32% of investors consider their investment in digital assets to be rather safe (previous year: -2%), while 68% say it is "rather risky" (previous year: +2%). According to the survey, investors consider market manipulation (47%), regulation (57%) and financial crime (51%) to be the greatest risks.
Bitcoin and Ethereum remain the favourites, Solana records strong rise
Bitcoin, the oldest cryptocurrency, continues to lead the portfolios of the investors surveyed in Germany, Austria and Switzerland with 90 per cent (previous year - 1 per cent). Ethereum follows in second place (79 per cent, up 1 per cent on the previous year). Solana is in third place this year with 60 per cent, a significant increase of 13 per cent compared to the previous year. Ripple is the fourth most popular digital asset (48%), followed by Cardano (46%) in fifth place, dropping two places in the ranking. Overall, 80 per cent of investors are invested in the top 10 cryptocurrencies.
Kontakt für die Presse
KPMG AG Wirtschaftsprüfungsgesellschaft
Deputy Head of Corporate Communications
KPMG AG Wirtschaftsprüfungsgesellschaft
T +49 89 9282 1722
creisbeck@kpmg.com
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