Cryptocurrencies are among the five most popular financial instruments in Ukraine, along with bank accounts, deposits, and real estate. This follows from a study jointly conducted by the international company Ipsos and the WhiteBIT crypto exchange, which they shared with Incrypted.
According to the survey of 650 financially active respondents aged 18-65 from cities with a population of more than 100,000 people (excluding temporarily occupied territories and war zones):
- 25% of Ukrainians have already invested in cryptocurrencies;
- Another 23% plan to start in the near future.
This means that almost every second financially active Ukrainian either already has experience with digital assets or considers them as a promising tool, the analytical material says.
“The interest in cryptocurrencies as an effective investment tool is growing worldwide. Users choose digital assets because of their high profit potential, the ability to diversify their portfolio, and the absence of inflation. And thanks to technological innovations and regulatory initiatives, confidence in this asset class is constantly growing,” said Vladimir Nosov, founder and president of WhiteBIT.
According to him, crypto deposits are becoming one of the most popular products, as “they allow not only to save but also to grow funds, offering attractive returns.”
According to the survey, for many Ukrainians, cryptocurrencies are no longer exclusively a trading tool. The most common scenarios for using digital assets are as follows:
- Trading — 57%;
- Long-term storage of assets — 52%;
- Protection of savings from inflation — 51%;
- Daily financial transactions and transfers.
This multifunctionality and independence from traditional financial institutions makes cryptocurrencies particularly attractive in times of military instability and limited access to classic banking services, the study said.
At the same time, 60% of respondents believe that special knowledge is required to use digital assets.
“In fact, access to information is now extremely easy — most platforms have high-quality training materials and videos,” WhiteBIT said.
In addition, the survey identified three key trends in Ukrainian investment:
- Diversification instead of conservatism;
- The desire for financial independence from government and banking structures;
- Growing demand for financial education and understanding of the blockchain economy.
Thus, according to the material, Ukrainians are moving from simply saving money to active investment. Digital assets are no longer “exotic” and are gradually becoming a common element of investment portfolios alongside real estate, foreign currency deposits and domestic government bonds.
In the 2025 Global Cryptocurrency Adoption Ranking prepared by Chainalysis, Ukraine became the leader in terms of crypto activity per capita among 151 countries.