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Crypto strategies gain focus as inflation erodes traditional savings

Published Dec. 29 2025Last Updated Dec. 29 2025

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A joint webinar hosted by BeInCrypto and cryptocurrency exchange EMCD examined how persistent inflation is reshaping long-term investment strategies.

The event, held on December 16, brought together experts from crypto, DeFi and financial infrastructure to discuss capital preservation.

Speakers agreed that inflation continues to undermine savings, with recent years seeing price growth exceed 10% in many economies.

Jakub Dziadkowiec said holding cash steadily erodes purchasing power as living costs rise month after month.

He argued that traditional savings tools offer little defence against long-term inflationary pressure.

Jan Warmus explained that banks typically use customer deposits to generate profits while paying interest below inflation levels.

As a result, savers often experience negative real returns even when nominal balances increase.

Warmus added that foreign currency accounts rarely solve the problem due to exchange rate volatility and banking fees.

He said the financial system prioritises institutional efficiency rather than protecting individual capital.

The discussion then shifted towards cryptocurrencies as an alternative long-term strategy.

Jakub asked which crypto approaches are realistic beyond short-term speculation.

Warmus highlighted long-term Bitcoin accumulation and mining as infrastructure-based investment models.

Dominic said investors need a mindset shift away from short-term trading towards understanding underlying systems

He argued that Web3 and DeFi allow compound-style models where informed participation matters more than speculation.

According to Dominic, disciplined analysis leads to calmer and more sustainable portfolio management.

When asked about preparation, Warmus recommended consistency through dollar-cost averaging to reduce emotional decisions.

He said simple, repeatable strategies can help investors stay focused during volatile periods.

The webinar also introduced EMCD’s Coinhold product as a long-term-focused solution.

Warmus said Coinhold was designed with a low entry threshold and minimal technical complexity.

He explained that user funds are deployed across EMCD’s ecosystem, including mining and professional lending.

The objective is to generate stable and predictable yields over time.

Coinhold is designed as a set it and forget it solution.

Jan Warmus said.

The session concluded with a live AMA addressing participant questions on inflation, crypto and long-term planning.

At the time of reporting, Bitcoin price was $88,187.69.