How Europeans are saving their savings today

💶 Cryptocurrencies have ceased to be a niche instrument. Today, more and more Europeans view digital assets as a way to protect capital amid an unstable economy and inflation. Banks continue to offer standard deposits, but many are seeking alternatives — especially in countries with high inflation or unstable currency.

Economic situation and macroeconomic background

Since early 2025, inflation in the Eurozone has fluctuated around 5–6%, while key interest rates of the European Central Bank have gradually increased to curb price growth. Currency exchange rates against the dollar and pound remain under pressure from geopolitical factors, increasing interest in hedging via crypto assets. In these conditions, traditional deposits remain safe, but their returns often do not keep up with inflation. Europeans are looking for ways to protect the purchasing power of their money and diversify their portfolios.

Cryptocurrencies in everyday strategy

According to European platforms, crypto investments are actively growing: many investors hold about 60% of their capital in Bitcoin, 25% in Ether, and the remaining in stablecoins (USDT, USDC) and other assets. Crypto allows:

• fixing the value of savings via stablecoins;
• making international transfers and purchases without intermediaries;
• diversifying portfolios by combining traditional assets (deposits, bonds, stocks) with digital ones.

How Europeans use crypto

1. Stablecoins — protect nominal value from inflation, allow saving in euros or dollars, and use for staking at 5–10% annual returns.
2. International payments and purchases — crypto helps bypass complex banking procedures, especially for online purchases and transfers abroad.
3. Diversification — Bitcoin and Ether offset risks of traditional instruments and provide access to global investment opportunities.

Practical cases

• European freelancers receive income in USDT and then convert it to euros via local exchanges.
  
  
• Families use crypto to pay for online purchases from the US and Asia, avoiding bank fees and currency conversions.

What this means for an ordinary person

For an average European investor, the situation looks like this: traditional deposits and bonds remain safe, but their returns often lag behind inflation and rising prices. In conditions of currency instability and economic fluctuations, more and more people are seeking alternatives.

Cryptocurrencies become tools for hedging and diversification:

• Stablecoins (USDT, USDC) — preserve the nominal value in euros or dollars and are suitable for international payments.
• Bitcoin — protects against currency risks and serves as “digital gold.”
• Ether — provides access to the decentralized finance (DeFi) ecosystem and investment opportunities.

🛡️ Conclusion
Crypto is no longer marginal: it is becoming part of everyday financial strategy. Stablecoins fix value, while Bitcoin and Ether protect against currency and inflation risks. The key message: a careful approach to crypto assets, the right choice of platforms, and transaction monitoring help preserve and grow capital even in an unstable economy.