Intro: The landscape of cryptocurrency investment apps is in constant flux. A recent report from Deloitte indicated a 30% increase in retail crypto adoption in the UK during the first half of 2025. This surge in interest, coupled with evolving regulatory frameworks, is forcing platforms to innovate and adapt. Revolut, for example, added 8 new crypto tokens in Q3 2025, focusing on Layer-2 solutions and DeFi projects, mirroring growing investor interest beyond Bitcoin and Ethereum.
Key Developments
- Coinbase expanded its institutional staking services in Q2 2025, now supporting Solana (SOL) and Cardano (ADA) in addition to Ethereum, catering to the growing demand from institutions seeking passive income.
- Binance launched a new “Learn and Earn Pro” program aimed at educating users on complex DeFi strategies, acknowledging the increasing sophistication of retail investors. The program reportedly saw a 20% increase in active users within its first month.
- eToro introduced fractionalised NFTs, enabling users to invest in high-value digital collectibles with smaller capital outlays, reflecting a broader trend towards accessibility in the NFT market.
- The UK’s Financial Conduct Authority (FCA) granted Bitpanda a full operational license in July 2025, solidifying its position as a regulated and compliant platform within the UK market and attracting users prioritising security and regulatory oversight.
- Revolut integrated a direct on-ramp for GBP to Solana-based tokens, facilitating faster and cheaper transactions within the Solana ecosystem, responding to the increased trading volume of SOL and related projects.
- Several platforms, including Coinbase and Kraken (though primarily in US markets), introduced enhanced security features, like multi-party computation (MPC) wallets, in response to heightened cybersecurity concerns and the increasing value stored on these platforms.
Why It Matters
These developments highlight a key shift in the crypto investment app space: increased focus on regulatory compliance, diversification of investment options, and enhanced security. The FCA license granted to Bitpanda, for example, provides a level of trust that can attract risk-averse investors. Simultaneously, the addition of new tokens and the introduction of features like fractionalised NFTs cater to a broader range of investment preferences, from passive staking to active participation in the NFT market. However, this increasing complexity also brings new risks. Investors need to be wary of potential scams and rug pulls associated with newer, less established tokens. The effectiveness of security measures, such as MPC wallets, will also be crucial in maintaining user confidence and preventing large-scale hacks.
Market Context
The overall market context is defined by several key trends. The approval of spot Bitcoin ETFs in early 2024 has significantly increased institutional interest in Bitcoin and, by extension, the broader crypto market. Ethereum’s transition to Proof-of-Stake and the subsequent development of liquid staking derivatives have created new opportunities for yield generation, boosting demand for platforms offering staking services. The Solana ecosystem continues to experience rapid growth, attracting both developers and investors. On the regulatory front, the UK is actively developing a comprehensive framework for crypto assets, aiming to strike a balance between innovation and investor protection. These trends are all shaping the strategies and offerings of crypto investment apps, forcing them to adapt to a rapidly evolving landscape.
What to Watch Next
- The FCA’s anticipated publication of detailed guidelines on stablecoin regulation in Q4 2025, which will significantly impact platforms offering stablecoin-based investment products.
- The potential launch of Ethereum ETFs, which could further boost institutional investment in the Ethereum ecosystem and drive demand for related staking services.
- The continued growth of Layer-2 scaling solutions on Ethereum, such as Arbitrum and Optimism, and the impact on transaction fees and user experience on crypto investment apps.
- Upcoming token unlocks for various DeFi projects, which could lead to increased market volatility and require investors to carefully assess their risk tolerance.
- The evolution of security measures implemented by crypto investment apps, as they continually adapt to new cybersecurity threats and strive to protect user funds.
FAQ: Choosing the Right Crypto App
Which crypto apps are currently leading in 2025?
Coinbase remains a leader due to its user-friendly interface, regulatory compliance, and wide range of supported assets. Binance continues to attract experienced traders with its advanced trading features and extensive selection of cryptocurrencies, though regulatory scrutiny in some jurisdictions remains a concern. Revolut’s integration of crypto trading within its broader financial services platform also positions it as a strong contender, particularly for users seeking a convenient all-in-one solution.
How do fees compare among major crypto apps?
Fees vary significantly depending on the platform and the specific transaction. Generally, fees can range from 0.5% to 5% for spot trading, with higher fees often associated with instant buys and credit card purchases. Binance tends to offer the lowest fees for active traders, while Coinbase’s fees are generally higher, particularly for retail users. Revolut’s crypto fees are built into its spread, which can make it difficult to directly compare with other platforms’ explicit fee structures.
Is UK regulation affecting crypto investment apps?
Yes, the FCA’s increasing scrutiny and evolving regulatory framework are having a significant impact on crypto investment apps operating in the UK. Platforms are required to comply with anti-money laundering (AML) regulations, implement robust Know Your Customer (KYC) procedures, and obtain appropriate licenses. The FCA has also issued warnings about the risks associated with unregulated crypto assets and has been actively cracking down on unregistered crypto businesses.
Are staking and yield features still attractive?
Yes, staking and yield features remain attractive to many crypto investors, particularly in a low-interest-rate environment. Reported annual percentage yields (APYs) can range from 2% to 10% or higher, depending on the specific asset and the platform offering the staking service. Platforms like Coinbase and Binance offer staking rewards on various cryptocurrencies, while dedicated DeFi platforms provide opportunities to earn yield through liquidity pools and other mechanisms. However, it’s important to note that staking and yield farming involve risks, including impermanent loss and smart contract vulnerabilities.
Conclusion: Investor choice within the crypto investment app ecosystem is expanding rapidly in 2025. The drive towards regulatory compliance, diverse product offerings, and user-friendly interfaces is becoming paramount. While platforms like Revolut are integrating crypto into wider financial ecosystems, others, such as Coinbase, are focusing on specialised services and institutional solutions. The “best” app ultimately depends on individual investor needs, risk tolerance, and investment goals. The rise of regulated and secure apps marks a maturation of the market, making it more accessible to a wider range of investors than ever before.
