Crypto Investing in 2026: What Beginners Need to Know Before Starting

Jakarta, Pintu News – It is undeniable that many people are now starting to look at crypto investment as a new opportunity to build wealth in the digital era. With its potential and easy access through online platforms, crypto assets such as Bitcoin (BTC), Ethereum (ETH), and others have attracted the attention of various groups – from novice investors to professionals.

In addition, the increasing adoption of blockchain technology in the financial sector, as well as support from large institutions, has boosted public confidence in the future of digital assets. In the midst of global market dynamics, crypto offers an investment alternative that is not only modern, but also full of potential.

In this article, we will thoroughly discuss crypto investment tips and tricks for beginners in 2026!

What is Cryptocurrency?

Cryptocurrency is a form of digital or virtual currency that is protected by cryptographic technology, making it very difficult to counterfeit or double use. These assets operate on a decentralized network that uses blockchain technology-digital ledgers that are distributed and secured by a network of computers.

Read alsi: First Dogecoin Spot ETF in the US Officially Launches, Ready to Trade on Nasdaq!

One of the main characteristics of cryptocurrencies is that they are generally not issued by any central authority or government agency. However, in the United States, the Securities and Exchange Commission (SEC) sets out a number of rules that crypto exchanges, online trading platforms and other institutions that provide services related to these digital assets must comply with.

How Crypto Investing Works

Cryptocurrencies operate on a distributed public ledger called a blockchain, which is a continuously updated record of all transactions kept by the owners of the digital currency.

Cryptocurrency units are created through a process called mining, where computers are used to solve complex math problems to generate new coins. In addition, users can also buy crypto assets through brokers, then store and use them through cryptography-based digital wallets.

If you own cryptocurrency, you don’t actually own anything physical. All you have is a key (digital key) that allows you to move records or units of value from one party to another without the need to go through a trusted intermediary.

Step by Step Guide: How to Start Crypto Investing for Beginners

If you’re interested in investing in crypto but don’t know the steps, don’t worry. This section will guide you step-by-step to invest with confidence.

1. Choose a Crypto Exchange Platform

The first step is to choose a crypto exchange platform, which is a kind of online marketplace where you can buy and sell digital currencies. Many popular platforms are beginner-friendly and offer a wide selection of crypto assets.

2. Decide which Crypto Asset to Buy

Next, you need to choose the type of crypto you want to invest in. Most beginners start with well-known cryptocurrencies such as Bitcoin or Ethereum because they are more stable and widely used than new, unknown coins. These assets are considered safer for the first step.

3. Create a Secure Crypto Wallet

After deciding on an exchange and asset type, it’s time to secure your investment. You will need a crypto wallet to safely store your digital coins. This wallet can be online(hot wallet) or offline(cold wallet), depending on the level of security you desire.

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4. Make Your First Purchase

With your wallet ready, you can make your first purchase. You don’t have to buy the whole coin – you can also buy a fraction of the amount you want to invest. Once the transaction is complete, your crypto asset will appear in your wallet.

Safe and Effective Crypto Investment Tips

A good investment is not just about buying, but also about having the right strategy. For beginners, there are several approaches to consider, such as storing assets for the long term(HODLing-yes, this is a popular term in the crypto community to describe a strategy to withstand market ups and downs) or opting for a more active approach throughtrading.

Another popular strategy is Dollar-Cost Averaging (DCA). If you’re using the Pintu app, this DCA strategy is available in the “Routine Savings” menu. You can learn more about it here.

The DCA strategy involves investing a fixed amount at regular intervals, such as weekly or monthly, regardless of market price fluctuations. The aim is to reduce the risk of buying at peak prices and avoid emotional decisions when the market is volatile. With DCA, you can build your position slowly while staying disciplined in your investing.

Whatever strategy you choose, it’s important to keep learning, understand the risks, and not put all your money into just one crypto asset. Diversification and risk management are key to keeping investments healthy in the long run.

Risks in Crypto Investing

While cryptocurrencies have great growth potential, they are also not free from risks. Before jumping in, it’s important for investors to understand the downside and be prepared for the high volatility that often accompanies digital assets.

High Volatility

Cryptocurrencies are known for their sharp price movements. In one day, the price of Bitcoin can set a new record high, then the next day drop by tens of percent. For beginners, these extreme fluctuations can be nerve-wracking, especially if you’re not used to seeing the value of your investment change drastically in a short period of time.

Lack of Regulation

Unlike traditional financial markets, the crypto industry is still relatively unregulated. This lack of regulation can open the door to fraudulent practices, market manipulation, or the existence of untrustworthy exchange platforms.

Security Risks

While blockchain technology is considered secure, risks remain when it comes to storing and managing crypto assets. Hacking, phishing attacks, and security holes in digital wallets can lead to lost or stolen assets. Therefore, understanding security measures is essential, such as using strong passwords, enabling two-step authentication, and storing assets in a secure wallet.

Regulatory Changes

As governments in various countries start to pay more attention to cryptocurrencies, regulatory changes can have a direct impact on the market. Tax rules, trading restrictions, and certain bans can potentially affect the value and safety of your investment.

As alarming as these risks may sound, recognizing them early on is an important step towards mitigating them. The key to crypto investing is to be wise, prioritize safety, and understand that this market has a high degree of uncertainty.

Read also: Crypto Hype Explodes in 2026: Bitcoin, Ethereum, and Chainlink to Lead!

5 Popular Crypto Assets and Their Advantages

1. Bitcoin (BTC)

Bitcoin was the first cryptocurrency ever created and remains the most popular and valuable today. For beginners, Bitcoin is a solid choice as it has proven to be long-lasting, widely accepted, and has a relatively more stable market than many other cryptos.

2. Ethereum (ETH)

Ethereum isn’t just a cryptocurrency; it’s a platform that enables the development of smart contracts and decentralized applications(dApps). These additional uses make Ethereum an attractive option for beginners who want to learn more about the potential of blockchain technology.

3. Litecoin (LTC)

Often dubbed the “silver” of Bitcoin, Litecoin (LTC) is another reliable option for beginners. Litecoin offers faster transaction times and lower fees than Bitcoin, making it suitable for smaller value transactions.

4. Binance Coin (BNB)

For those interested in crypto trading activities or the use of exchange platforms, Binance Coin (BNB) is worth considering. Originally designed as a token for the Binance ecosystem, BNB now has multiple functions-from payment tools to use in decentralized finance (DeFi) applications.

5. Ripple (XRP)

Ripple (XRP) is a distributed ledger system introduced in 2012. Ripple is not only used for cryptocurrency transactions, but can also track various other types of transactions. The company behind Ripple has established partnerships with many banks and financial institutions, making it a crypto project with a strong orientation to the traditional financial world.

FAQ

Is crypto investment safe for beginners?

Relatively safe if done with sufficient knowledge and using a trusted platform. Risks remain as the crypto market is highly volatile.

What is the minimum capital to start crypto investing?

You can start with a small capital, even Rp10,000-Rp50,000 on some local platforms. No need to buy a whole coin.

What is the difference between crypto trading and investing?

Trading focuses on short-term buying and selling for quick profits, while investing is more about holding long-term assets for value growth.

Is crypto legal in Indonesia?

Legal as an investment asset and supervised by Bappebti. However, it may not be used as a means of payment.

How to choose a good crypto for investment?

Choose a crypto with a good reputation, high volume, clear project and active community. Bitcoin and Ethereum are usually safe starting choices.

Follow us on Google News to stay up to date with the latest in crypto and blockchain technology. Check Bitcoin price, usdt to idr and tokenized nvidia stock price through Pintu Market.

Enjoy an easy and secure crypto trading experience by downloading the Pintu crypto app via Play Store or App Store now. Also, experience web trading with advanced trading tools such as pro charting, various types of order types, and portfolio tracker only at Pintu Pro.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Coursera. How to Invest in Crypto. Accessed on January 23, 2026
• Investopedia. Cryptocurrency. Accessed on January 23, 2026
• Kaspersky. What is Cryptocurrency and how does it work? Accessed on January 23, 2026
• Mintos. Cryptocurrency for Beginners: A Simple Guide. Accessed on January 23, 2026