Bitcoin or Stablecoins: Which Is the Best to Hold in 2025?
GameStop adds Bitcoin to its treasury while Fidelity explores launching a new stablecoin. But what's in it for investors, and which is the best to hold in 2025?
Which topics should we dive deeper into?
Select what genuinely interests you. Your picks feed directly into our editorial planning.
Crypto news that's actually worth your time.
Weekly. 60 seconds. Carefully curated by our editors: no hype, no promo flood, no spam.
Bitcoin or Stablecoins for 2025?
The debate between Bitcoin and Stablecoins is heating up in 2025. On one side, Bitcoin continues to gain traction as a long-term store of value with limited supply and rising institutional adoption. On the other hand, stablecoins like USDT, USDC, and now a potential Fidelity-backed token, offer low-risk, dollar-pegged alternatives perfect for trading, payments, and DeFi.
With new players stepping in, like GameStop adopting Bitcoin as a reserve asset, and Fidelity preparing to join the stablecoin arena, it’s clear: the battle between Bitcoin and Stablecoins isn’t just about volatility vs. stability anymore—it’s about vision vs. utility.
GameStop Adds Bitcoin to Treasury: The Michael Saylor Effect
In a bold move, GameStop announced it would add Bitcoin to its balance sheet as a treasury reserve asset, joining the likes of Tesla and MicroStrategy. The decision pushed GameStop stock up and sparked major conversations across X.
Michael Saylor, the godfather of institutional Bitcoin adoption, responded to the GameStop news in full force, stating:
This shows how Bitcoin continues to shift from being a speculative asset to a corporate reserve powerhouse, aligning with long-term investment strategies.
Fidelity Joins the Stablecoin Game
While Bitcoin gains traction, Fidelity Investments is exploring a different route—by testing a USD-pegged stablecoin through its digital asset division. Though no official launch date has been confirmed, sources indicate that Fidelity could enter the stablecoin space later in 2025. This comes alongside plans for a tokenized U.S. money market fund, signaling growing institutional trust in blockchain-based financial products.
This move could shake up the stablecoin market currently dominated by USDT and USDC. It also positions stablecoins as not just trading tools but serious financial instruments for yield-bearing and cross-border transactions—especially with improving U.S. regulation and policy support.
Bitcoin vs. Stablecoins: Which Is Better?
| Use Case | Choose Bitcoin | Choose Stablecoins |
|---|---|---|
| Long-term investment | Limited supply, high upside potential | No upside; value remains flat (pegged to USD) |
| Stability & low risk | Highly volatile | Pegged to $1, stable value |
| Treasury reserve | Increasing corporate adoption (e.g. GME) | Still rare, but growing interest |
| Passive income (DeFi) | Limited options | Lending, staking, and yield farming options |
| Payment utility | Less ideal due to volatility | Ideal for fast, low-cost transfers |
| Inflation hedge | Strong store of value | No hedge; value tied to fiat currency |
What's Right for You in 2025?
If your goal is long-term value appreciation, Bitcoin remains the stronger candidate. Its limited supply, growing institutional backing (now including GameStop), and macroeconomic positioning make it an attractive asset for HODLers and forward-looking investors.
However, if you're looking for stability, liquidity, and utility, Stablecoins are ideal—especially with major players like Fidelity entering the space and regulation becoming more favorable.
In reality, the best strategy may not be choosing one over the other but understanding how both fit in a diversified crypto portfolio.
More on Bitcoin: All Bitcoin news at a glance
Related articles
- Coin of the future: Which cryptocurrency should you buy for 2030?
- Russia Opens Crypto to Retail Investors on November 17: What Bitcoin, Ethereum and USDT Access Really Means
- Michael Saylor: how Strategy became the largest corporate holder with 849,327 Bitcoin
- Why Is Crypto Down Today? The 5 Reasons Behind the November 3 Sell-Off
- How to Buy USDT in the EU: 7 Platforms Checked, What Still Works
Which topics should we dive deeper into?
Select what genuinely interests you. Your picks feed directly into our editorial planning.
Crypto news that's actually worth your time.
Weekly. 60 seconds. Carefully curated by our editors: no hype, no promo flood, no spam.
October 31, 2026 12:04 AM
Is Gold a Safe Haven? Gold Price Falls 27% From Its Record as Stocks Crash
Gold fell 3.6 percent on the day US stocks crashed and is now 27 percent below its January record. Our comparison of six crises since 2007 shows when gold protects investors, when it fails and what would make it a safe haven again.
October 29, 2026 9:49 PM
Is This the End? How Low Bitcoin Could Fall After the Binance Hack
About $2.8 billion left a Binance hot wallet and Bitcoin slid below $79,000. Whether this turns into a real crash depends on one question. Three scenarios, the key price levels for Bitcoin, Ethereum and Solana and what to do now.
October 29, 2026 9:08 PM
Best Crypto to Buy Now: 5 Coins to Watch in November 2026
The best crypto to buy now, updated every month: five coins for November 2026 with price, catalyst and main risk, how we pick them and how last month's list performed.
October 27, 2026 5:23 PM
China AI Bubble Bursts: $480 Billion Gone, So Why Is Bitcoin Not Crashing?
China’s AI stock bubble has burst, erasing $480 billion as the STAR50 drops 40%. Here is why it happened and what it means for Bitcoin and crypto.
October 25, 2026 10:51 AM
Crypto Crash: Why the Top Cryptos Lost Up to 4% in One Week
Crypto crash week: the largest cryptos lost up to 4% in seven days. We break down why crypto prices are falling and what to watch next.
October 23, 2026 4:57 PM
South Korea Makes Stablecoins an Official Means of Payment: What the New Rule Really Says
South Korea is rewriting its forex law to classify stablecoins as a means of payment. Crypto Twitter calls it adoption. The fine print says surveillance.
October 23, 2026 1:35 PM
What is Tether (USDT)? The stablecoin explained: 182 billion tokens without EU authorisation
With 182.8 billion tokens in circulation, Tether is the largest stablecoin in the world and settles two out of every three crypto dollars traded. In the EU it lacks authorisation as an e-money token, and from January 8, 2027 authorised providers may no longer offer services around it.
October 22, 2026 4:42 PM
USDT or USDC: the key points before the October 30 deadline
Analysis: in the European Economic Area, Coinbase converts remaining balances in USDT, DAI and PYUSD into USDC on October 30, 2026, and from November 12 the EBA supervises the USDC issuer directly. This piece sets out what that means for the choice between the two largest dollar stablecoins, and separates the documented deadlines from the newsroom's assessment.
October 22, 2026 7:41 AM
CLARITY Act: what the US crypto law would do and where it stands in the Senate
In context: what the CLARITY Act would do, how the House and the Senate voted, and what the SEC and CFTC are pushing ahead without a law. With a timeline, the vote arithmetic and a comparison with the EU regulation MiCA.
October 20, 2026 10:18 AM
Coinbase converts USDT and DAI into USDC on October 30: the swap restarts the one-year holding period
On October 30 Coinbase will convert the remaining USDT, DAI and PYUSD balances in the European Economic Area into USDC. The swap counts as a disposal under section 23 of the German Income Tax Act, and the one-year clock starts again for the new balance.
October 15, 2026 4:32 AM
Which cryptocurrency to buy? Five criteria that matter before the coin
22,260 cryptocurrencies are on sale across 1,504 trading venues, and most guides start with the name. We reverse the order and set out the five criteria, from market capitalisation to the holding period, that come before the coin.
October 10, 2026 7:15 PM
ING and Bitcoin: Around 50 Crypto ETNs in the Portfolio, and What the Delivery Claim Means for Your Holding Period
Bitcoin can be bought at ING, but only as an exchange-traded note: around 50 crypto ETNs from five issuers, as a one-off purchase or a savings plan from one euro. What the offer really costs, and what the one-year holding period hangs on, is not in the advertising but in the key information document.
October 10, 2026 1:19 PM
Crypto ETF Outflows Pass $1 Billion in October: Is Wall Street Dumping Bitcoin and Ethereum?
Bitcoin and Ethereum ETFs just bled over $1 billion in October. Here is who is selling, who is still buying, and what it means for your coins.
October 8, 2026 4:38 AM
Crypto Market Slides: Bitcoin Loses 4.2 Percent and $651 Million of Long Bets Are Liquidated
Bitcoin has lost 4.2 percent since Tuesday afternoon, and ether and XRP more still. Three reasons can be documented: outflows from the US ETFs, $651 million of forcibly closed long bets and Fed minutes holding out the prospect of another rate rise. A crash it is not, and what to check before buying more is set out here.
October 6, 2026 1:23 AM
50 euros a month in Bitcoin, 118 instalments since 2017: savings plan vs lump sum
118 monthly instalments of 50 euros since January 2017 add up to €5,900 paid in and around €54,500 today. The same instalment since January 2024 is up only 14.5 percent, and since October 2025 the savings plan beats the lump sum by almost 39 percentage points.
October 3, 2026 4:40 PM
Investing in Bitcoin With a Savings Plan or a Lump Sum: What the December 31 Tax Cut-Off Changes
Anyone putting money into Bitcoin now chooses between a lump sum, a monthly instalment and an ETN in a securities account. The German finance ministry’s draft bill would keep the one-year holding period only for holdings bought by December 31, 2026.
October 2, 2026 5:02 PM
Bitcoin or Ethereum in the fourth quarter of 2026: the two largest crypto-assets compared
Bitcoin (BTC) is scarce by protocol rule, Ethereum (ETH) only as scarce as its utilisation, and on access and tax in Germany the paths part again. This comparison puts the verifiable figures on supply, usage, staking and purchase route side by side, without making a price call.
October 2, 2026 4:39 AM
Donating bitcoin: when does the full market value count, when only the purchase price?
A bitcoin donation to a charitable organisation is deductible as a donation in kind, and the donation itself produces no taxable gain. The size of the deduction turns solely on whether a sale would have been taxable on the day of the transfer.
September 29, 2026 11:45 AM
Tether Freezes $550 Million in Iran-Linked USDT as Senate Probe Turns Up the Heat
Tether says it helped freeze nearly $550 million in Iran-linked USDT in 2026, one day after Senate investigators called USDT central to Iran's shadow banking.
September 29, 2026 10:38 AM
Bitcoin Falls Toward $83,000 as Trump Rejects Iran Ceasefire Deal
Bitcoin slipped toward $83,000 after Trump rejected Iran's Hormuz proposal, sending oil above $100 and wiping out $478 million in crypto liquidations.
September 25, 2026 10:26 PM
Selling bitcoin privately: the tax in Germany and the records you need
A direct sale to a private individual falls under the same one-year rule as an exchange sale, but there is no tax report to go with it. This guide walks through the calculation, the 1,000 euro threshold and the records the tax office wants to see.
September 23, 2026 4:26 PM
Paid in Bitcoin: How to Tax Crypto Income as a Self-Employed Freelancer
A fee in Bitcoin is perfectly ordinary business income, valued at the euro price on the day it reaches you. The decisive trap comes afterwards: business assets carry no one-year holding period, so every later price move stays taxable.
September 22, 2026 7:23 AM
Gifting Bitcoin to Your Spouse: Allowance, Holding Period and the Report to the Tax Office
Thanks to a 500,000 euro allowance, a gift to a spouse is almost always free of gift tax, and it is not a disposal either. What matters is what travels with it: your purchase date, your purchase price and with them the state of the one-year holding period.
September 22, 2026 1:37 AM
Swapping Bitcoin for Gold: What Happens for Tax in Germany
Moving from coins into gold is a sale in the eyes of the tax office, and the one-year period decides the bill. Where bars, gold ETCs and tokenised gold diverge for tax, and which records you need.
September 17, 2026 7:12 PM
Gifting Bitcoin to Children: Allowance, Holding Period and the Tax Office Report
Transferring Bitcoin to your child hands over your holding period and your entry price along with the coins. This guide sets out what really applies in Germany on the allowance, the reporting deadline, representation and custody.
More from CryptoTicker