Crypto-currency: a booming investment asset in France

The crypto-currency is attracting more and more people these days.

In this article, you'll find everything you need to know about invest in 2026.

What are the main crypto-currencies?

Here are the most famous crypto-currencies on the market:

How to invest in crypto-assets?

If you want to invest in crypto-assets, you can open an account on an online platform that allows you to buy cryptos in exchange for fiat currency. This is mostly done by bank transfer.

• In Europe, there is a system called MiCA (Market in crypto-assets), which enables professionals offering services on crypto-assets to obtain the status of Crypto-asset Service Provider (CASSP).
• This new status replaces the status of digital asset service provider. (PSAN).
• This will happen in June 2026.

The AMF also makes available two elements :

• A white list platforms that have the PSAN and PSCA.
• A black list companies that are not authorized to provide crypto services.

Banks and brokers offering investment services on crypto-assets must also be registered in the Regafi register.

Here's how to choose ideal platform to invest in crypto-currencies.

Comparison of popular platforms

If you wish to buy crypto-currencies, You can choose from the following platforms. These are the most popular in France.

Selection criteria

Criteria for choosing the best platform for investing in crypto-currencies involve several elements.

• Charges applied Fees: fees can have a significant impact on the profitability of your business, so be careful before launching yourself on any platform. If you make frequent transactions, check buying and selling prices, as well as withdrawal and deposit fees.
• Safety and solidity The best choice: regulated players registered as PSANs with the AMF in France. The platform must comply with strict security and investor protection standards.
• Specific features For example, take a look at staking, which allows you to block your cryptos to obtain rewards, or lending, i.e. the lending of cryptos. Bear in mind that all exchanges offer different services.

What strategy should a beginner adopt?

Here's our advice if you're just starting out crypto-currency.

1. Invest in DCA Crypto

The best strategy for beginners is the DCA or Dollar-Cost Averaging. It involves investing a fixed amount at regular intervals, regardless of market movements.

Its advantage is that it smoothes the average purchase price over time and reduce the impact of volatility. This method allows you to mechanically buy more cryptos when prices fall, and limit purchases when prices rise.

The DCA is less stressful than a strategy of buying at market lows and selling at market highs over the long term.

2. Diversify your portfolio

The best thing is “not to put all your eggs in one basket”. The rule is never to invest more than you can afford. to help you lose in crypto.

The most conservative profiles can target an allocation of 5% of total portfolio crypto-currencies. The weighting depends on how much you're willing to risk.

The best way is to spread your investment over various projects, such as :

• 50% BTC ;
• 30% ETH ;
• 20% Altcoins.

Rebalance your portfolio regularly as circumstances dictate. It's important to keep in mind the crypto volatility, This is because each invested asset can become a major player in no time at all.

If you don't want to be overexposed to risk, consider taking advantage of the following benefits by selling some assets to return to the target allocation.

3. Beware of fashion trends

The effects of’euphoria and of mode are commonplace in the crypto market. This is the case, for example, with the buzz around Dogecoin.

Some dynamics may seem attractive, but it's important to keep in mind that be careful before committing to it. 

Thorough research is essential before taking the plunge. Here are the key points on which to focus:

• The project team Take a look at the game's founders. What have they achieved in the past? Totally anonymous teams are to be avoided.
• The white paper This is a document outlining the project's technology and value proposition. Take a close look at the credibility and arguments put forward.
• Use cases Was the project created to solve a specific problem? Did the users who applied it get results? Beware of “solution in search of a problem” projects.
• Transparency How is communication with the team? Is it regular and honest about the project's progress?

If you find points doubtful or unclear, it's important to be on your guard.

4. Securing your crypto-assets

The cryptographic keys are the keys that store your crypto-assets.

• Each crypto is associated with a key private.
• The platform you have chosen gives you portfolio or “Wallet” to store private keys.
• It's a simple device that lets you’access your assets quickly.
• However, it is essential to secure access to your portfolio with a strong password and double authentication.
• It's also best to keep your cryptos in a “hardware wallet” to protect your cryptographic keys against hacking. This is a device that looks like a USB key. This tool cannot connect to the Internet, so the security of your wallet is assured.

Before investing in crypto-assets, keep in mind that if you go bankrupt, the Deposit Guarantee and Resolution Fund (FGDR) does not cover your capital. 

5. Growing your cryptos

Visit two ways to make your cryptos grow.

Staking

the staking allows you to generate passive income with your crypto-currencies. In this context:

• You must participate in the security and operation of a blockchain, i.e. a “proof of stake”, by immobilizing certain tokens.
• You will then receive cryptos as a reward.

Of in more detail :

• Staking means making your cryptos available to a third party. validator which will use it to validate transaction blocks.
• More the approach is multiplying, the more you can be selected to add the next block and earn the associated rewards.
• The rates of return resulting from this approach are depending on the crypto and platforms. This generally ranges from 3 to 15%. (For Binance, ETH staking yields 2.76% per year, but you can expect more with lesser-known cryptos).
• You must hold a minimum number of tokens to participate in staking (for Ethereum, this is 32 ETH). You also need to lock them for a certain period of time.

Bear in mind that staking is also subject to volatility and penalty risks, But it's an effective way of growing your crypto capital over the long term.

Lending

You can also make your cryptos grow with the lending or crypto-currency lending. The principle is the same as a traditional bank loan, but in this approach, you lend your digital assets to other users using decentralized finance protocols (DeFi).

There are specialized lending platforms such as Aave and Compound. They use a liquidity pools.

• Regarding the common reserves are available for lenders to deposit their funds.
• Borrowers then draw resources from it, in return for a fee. interests.

The interest rate is often higher than that of normal banks, but this may vary depending on supply and demand for the crypto-currency in question.

Lending out your unused cryptos allows you to earn money effortlessly. You can cash in your earnings in the crypto lent or in the platform token. Some sites even offer you the opportunity to lend stablecoins.

Here, too, you should bear in mind that the process is not an end in itself. not immune to risk like staking. Think carefully before taking the plunge.

What are the benefits and risks of crypto-currency?

There are several points to note about the benefits and risks in investing in crypto-currencies.

So keep in mind that high volatility allows for rapid gains, but also involves the risk of sudden losses.

What are your reporting obligations in crypto?

You do not need to file a declaration with the tax authorities if your crypto account has not been the subject of a’no transaction.

However, as most platforms are based abroad, you need to have a valid’an account there to use them.

• Your account must therefore be the subject of a annual declaration when you declare your income. This is done using forms 3916 and 3916 bis.
• If you have more than one account separate statement for everyone.

Please note that failure to declare is liable to a fine of €750 per undeclared account.

How are your crypto-assets taxed?

Please note that holding crypto-assets is not not taxable. However, the capital gains you make when you sell your cryptos for fiat currency are subject to taxation.

Thus, in the case of personal asset management, capital gains are taxed at 30% under the single-rate withholding tax (PFU). This figure is broken down as follows:

• 12,8 % income tax ;
• 17,2 % Social security contributions.

It is also possible to opt for taxation on the progressive income tax scale.

In this context :

• It is essential to communicate the total amount of the capital gain or loss realized during the year on the Schedule 2086 of your annual income tax return.
• You must then report on the main income tax return in box 3AN (for capital gains) or to the 3BN (for capital loss).

Know that :

• The capital loss is non-deferrable in subsequent years.
• If your transactions do not exceed €305 during the year, your capital gain is non-taxable.

Concerning the mining in crypto-currency, This is a system for creating blocks to form a blockchain. It implies that when a block is validated, the miner receives a reward in the form of a crypto share.

• This activity must be declared to tax authorities for you to be considered a sole trader. You need to set up a structure to do this. This can be a micro-business or a sole proprietorship.
• Gains are taxable at income tax and are classified as non-commercial profits (BNC). If you set up a micro-business and your revenues are less than €77,000/year, you benefit from the micro-BNC regime.
• Taxable profit is calculated on the basis of a flat-rate allowance of 34% of sales, 305 minimum. The amount is then deducted from other income subject to the progressive income tax scale.
• Your mining revenues are also subject to the social security contributions.

In conclusion, there are a number of points to bear in mind before embarking on the project.‘crypto-currency investment. Risk assessment is one of the key points.

Other articles are available on our page. Lifestyle. Please feel free to consult them. The comments area is also open to your questions and opinions.