Top-5 Investments of Financially Active Ukrainians

🌍 According to a recent study, crypto assets have entered the top-5 investments of financially active Ukrainians.

Cryptocurrencies are no longer a niche instrument and have firmly secured a place among the five most popular ways to invest for financially active Ukrainians. This is evidenced by a joint study conducted by the international company Ipsos and the WhiteBIT crypto exchange, with results published by Incrypted.

Key figures from the study:

• 25% of Ukrainians have already invested in cryptocurrencies.
• Another 23% plan to do so in the near future.
• 60% of respondents noted that specialized knowledge is required to work with digital assets.
  
  

Distribution of Ukrainian Investments. Source: Ipsos and WhiteBIT research

In fact, nearly every second financially active Ukrainian either already has experience with crypto or considers it a promising tool for future investments.

Comparison with other assets
Digital assets have entered the top-5 most popular investment instruments alongside bank accounts, deposits, and real estate. For a country with high inflation and ongoing military instability, cryptocurrencies have become a kind of “financial safety cushion,” allowing risk diversification and protection of savings.

WhiteBIT Comment
“Interest in cryptocurrencies as an effective investment tool is growing worldwide. They are chosen for their high earning potential, diversification opportunities, and inflation protection. Additionally, technological innovations and regulatory initiatives increase trust in this asset class,” said Volodymyr Nosov, founder and president of WhiteBIT.

He emphasized that crypto deposits are becoming one of the most sought-after products: they allow not only storing but also growing capital, offering attractive returns.

How Ukrainians use cryptocurrencies:

• Trading — 57%;
• Long-term holding — 52%;
• Protection of savings from inflation — 51%;
• Daily transfers and financial operations.

Such multifunctionality makes digital assets particularly valuable in conditions of limited access to traditional banking services.

Education and barriers
At the same time, 60% of respondents believe that working with cryptocurrencies requires specialized knowledge. WhiteBIT experts note that educational materials are now widely available across platforms, and access to learning has become very easy.

Trends in Ukrainian investing revealed by the study:

1. Diversification instead of a conservative approach.
2. Pursuit of financial independence from the state and banks.
3. Growing interest in financial education and understanding of blockchain economy.

Thus, Ukrainians are shifting from simply keeping money “under the mattress” to actively managing capital. Cryptocurrencies are no longer “exotic” and have become a full-fledged component of the investment portfolio alongside real estate, deposits, and bonds.

⚡️ According to Chainalysis data, Ukraine ranked first in the world in terms of population crypto activity among 151 countries in the 2025 Global Crypto Adoption Index.