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Cryptocurrencies in 2025: A Practical Introduction for Informed Users

This guide helps you understand the fundamentals of the cryptocurrency market and the role digital assets play within a mature, regulated financial ecosystem.

What Are Cryptocurrencies?

Cryptocurrencies are digital assets operating within decentralized systems, most commonly built on blockchain technology. Their defining characteristics include:

  • the absence of a central issuer,
  • a transparent, distributed ledger of transactions,
  • cryptographic security mechanisms,
  • global accessibility without the need for intermediaries.

Bitcoin - the first and most widely recognized cryptocurrency - initiated the entire digital asset sector. Today, thousands of projects exist, though only a small fraction offer real utility, transparent operating models, and market‑validated credibility.

In the mature ecosystem of 2025, it is essential to distinguish between:

  • established, reputable assets,
  • speculative projects lacking fundamental value.

A responsible approach to the market begins with careful selection and an understanding that not every token is worth attention.

What Are Cryptocurrencies Used For?

In practice, cryptocurrencies serve several key functions:

  1. Digital Medium of Exchange

Crypto transactions can be executed quickly and globally, reducing costs and settlement times - particularly relevant for cross‑border payments.

  1. Store of Value

Bitcoin is often viewed as a digital counterpart to scarce assets. Over the long term, it attracts investors seeking alternatives to traditional stores of value, though it remains highly volatile.

  1. Investment Instrument

Price volatility makes cryptocurrencies a tool for short‑term trading. This area requires knowledge, discipline, and a high tolerance for risk.

  1. Infrastructure for Emerging Technologies

Some tokens power decentralized applications (dApps), financial protocols (DeFi), gaming ecosystems, or asset‑tokenization solutions.

Market Cyclicality

The cryptocurrency market - especially Bitcoin - exhibits cyclical behavior influenced by events such as the halving, which periodically reduces mining rewards. Historically, this has affected supply dynamics and price movements.

Previous cycles often followed a pattern of:

  • Bitcoin appreciation,
  • followed by Ethereum,
  • and later selected altcoins.

However, past trends do not guarantee future outcomes. Each cycle unfolds within a different regulatory and macroeconomic environment.

Main Categories of Cryptocurrencies

The market can be broadly divided into:

Bitcoin
The first cryptocurrency, often treated as a distinct asset class.

Altcoins
All cryptocurrencies other than Bitcoin, varying widely in purpose and risk profile.

Stablecoins
Tokens pegged to traditional currencies (e.g., USD, EUR). In 2025, they form a critical settlement layer for B2B transactions and cross‑border payments.

Additional segments include memecoins, AI‑related tokens, gaming tokens, and DeFi assets - dynamic but often associated with elevated risk.

How to Buy Cryptocurrencies in Poland in 2025

In a regulated environment, choosing a compliant and trustworthy platform is essential.
ARI10 Exchange - a Polish platform operating since 2017 - offers:

  • cryptocurrency purchases via popular payment methods (BLIK, cards, Apple Pay, Google Pay),
  • access through a mobile app and web interface,
  • transactions conducted in a KYC‑ and AML‑compliant environment.

In a mature market, security and regulatory alignment are as important as convenience.

Download the app: AppStore

Download the app: Google Play

How to Buy Cryptocurrencies with PLN

Purchasing crypto on a regulated platform typically involves:

  1. Creating an account,
  2. Completing identity verification (KYC),
  3. Selecting a cryptocurrency and payment method,
  4. Executing the transaction and storing assets in the user’s wallet.

The process is straightforward but requires awareness of the associated risks.

Which Cryptocurrencies to Consider?

Commonly chosen assets include:

  • Bitcoin (BTC) - viewed as a long‑term store of value,
  • Ethereum (ETH) - the backbone of smart‑contract infrastructure,
  • stablecoins - used for settlements and liquidity management.

Smaller altcoins may offer higher potential returns but come with increased volatility. The choice should reflect individual risk tolerance and investment horizon.

Education as the Foundation of Responsible Participation

Cryptocurrencies are a complex asset class. Therefore:

  • understanding the underlying technology and market structure is essential,
  • reliable sources of information should be prioritized,
  • decisions should not be driven by emotion or market hype.

Informed participation reduces risk and supports better decision‑making.

Note: ARI10 communicates exclusively through official channels. Cryptoassets involve significant risk, including the potential loss of funds. Always verify information. For assistance, visit ari10.com.

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