Want to Start Investing in Crypto? Upbit Indonesia Shares 5 Steps for Beginners

JAKARTA - The interest of the younger generation in investing continues to increase as digital technology develops and access to various financial instruments becomes easier. One instrument that continues to attract attention is crypto assets, which are now starting to become part of the investment journey and financial planning of Generation Z (Gen Z).

This trend is in line with the growth of the crypto asset industry in Indonesia. The Financial Services Authority (OJK) recorded that the number of crypto asset consumers has reached 21.37 million users as of March 2026 with a transaction value of IDR 22.24 trillion. This growth is also driven by the dominance of the younger generation. Based on the Indonesia Crypto & Web3 Industry Report 2025, more than 80 percent of crypto users in Indonesia are in the age range of 18-34 years, indicating that Gen Z and young millennials are the main drivers of digital asset adoption in the country.

As a generation that grew up in the digital era, Gen Z is known to be more open to technological innovations and various new investment opportunities. However, in the midst of this high interest, proper education and understanding remain the main foundation before starting an investment, including on crypto assets that have their own characteristics and risks.

Resna Raniadi as CEO of Upbit Indonesia, said that investing in crypto should not be seen as a quick way to make a profit in a short time.

"Before investing, it is important to understand that crypto assets are one of the investment instruments that have both opportunities and risks. Good investment decisions always start with sufficient understanding, not just following trends or information that is viral," said Resna, in his statement, Friday, June 19.

According to Upbit Indonesia, there are five main principles that can guide beginners who want to start a more responsible journey of investing in crypto assets.

1. Understanding the Basics of Crypto Assets

The first step that needs to be taken is to understand what crypto assets are, how the blockchain technology works, as well as factors that can affect market movements. This basic understanding is important so that investors can make decisions based on accurate information and not just follow the current popular trends. This is important considering that crypto assets are assets with high volatility.

2. Set a Clear Financial Goal

Before starting to invest, investors need to determine the financial goals they want to achieve. Whether the investment is made for long-term goals, portfolio diversification, or as part of personal financial planning. A clear goal will help investors make more measured decisions and match their individual risk profiles.

3. Understanding and Managing Risk

Crypto assets are known to have relatively high volatility compared to other investment instruments. Therefore, it is important for investors to understand the risks inherent in each investment decision and avoid impulsive actions when the market experiences significant gains or losses.

4. Invest According to Financial Ability

Investors are advised to only use funds that have been allocated for investment and not interfere with daily needs or emergency funds. This approach can help investors maintain healthy financial conditions while reducing emotional pressure when facing market fluctuations.

5. Keep Learning and Following Industry Developments

The digital asset ecosystem continues to grow rapidly, both in terms of technology, regulation, and innovations that are present in the market. Therefore, investors need to get used to continuing to learn, follow industry developments, and improve financial literacy in order to make more appropriate decisions.

In addition to understanding these basic principles, Upbit Indonesia also reminds the importance of building healthy investment habits from an early age. One of them is to avoid investment decisions that are driven by a sense of fear of missing out (FOMO), and not easily influenced by unverified information.

In today's social media era, information regarding investments can spread very quickly. However, not all information has a solid basis or can be accounted for. Therefore, conducting independent research and verifying the source of information is an important step before making investment decisions.

"The success of long-term investment is not determined by the ability to follow short-term trends, but by discipline, awareness of risks, and the willingness to continue to learn. The better a person's understanding of the investment instruments chosen, the greater the opportunity to make rational and responsible decisions," added Resna.

As part of its commitment to increasing digital asset literacy in Indonesia, Upbit Indonesia has consistently presented various educational programs targeting young people and the wider community. One of the initiatives that is routinely carried out is a campus roadshow to various cities in Indonesia which presents discussions, seminars, and educational sessions regarding blockchain, crypto assets, and the development of Web3 technology with academics, students, and industry players.

"We believe that healthy industry growth must go hand in hand with increased public literacy. Therefore, Upbit Indonesia will continue to expand its education program and collaborate with various parties to help the public better understand digital assets, hopefully they can make more responsible investment decisions," concluded Resna.