Adam Woodhead
Co-Founder
Adam is a passionate investor who created The Investors Centre (TIC) to combine his professional skills with his love for investment. His goal is to offer a platform filled with valuable resources, practical advice, and effective strategies for anyone looking to make their mark in the investment world.
“Investment is about more than just numbers; it’s about strategy, research, and the willingness to adapt. At TIC, we’re here to provide the tools and knowledge you need to succeed on your investment journey.”
Thomas Drury
Co-Founder
Thomas is an experienced financial trader in leverage instruments, crypto and general investing. He has over a decade experience in finance and holds Chartered Status in the financial industry, Thomas’s speciality is trading CFDs, Forex and Day Trading. His crypto portfolio is heavily weighted towards BTC and Eth, but enjoys trading low cap crypto’s with higher volatility. Thomas’s favourite trading strategy is break out Trading.
“Our commitment at The Investors Centre is unwavering. We strive to provide clear, actionable advice that empowers you to achieve financial success. Our vision is a future where anyone can invest confidently and wisely.”
Table of Contents
Disclaimer
How We Test
Explore our top selections for the best crypto wallets available, along with essential tips to maximise security and safely handle your crypto assets.
eToro Money Wallet
TIC Wallet Rating: 4.3/5
Investing in crypto carries a high level of risk.
Best Wallet
TIC Wallet Rating: 4.2/5
Investing in crypto carries a high level of risk.
Coinbase Wallet
TIC Wallet Rating: 4.2/5
Investing in crypto carries a high level of risk.
MoonPay
TIC Wallet Rating: 4.1/5
Investing in crypto carries a high level of risk.
Cypherock X1
TIC Wallet Rating: 4.0/5
Investing in crypto carries a high level of risk.
Trezor Model T
TIC Wallet Rating: 4.0/5
Investing in crypto carries a high level of risk.
Quick Answer: Which Wallet is the Best?
eToro is the best crypto wallet due to its user-friendly interface, strong security features, and integrated trading platform. It supports a wide range of cryptocurrencies, offers seamless transactions, and includes advanced tools for portfolio management, making it ideal for both beginners and experienced investors.
Featured Wallet - eToro Money Wallet
A trusted name in social trading and investment, eToro offers the eToro Money Wallet as a secure and easy-to-use solution for managing and transferring cryptocurrencies. Integrated directly with the eToro investment platform, it allows seamless access to crypto assets alongside stocks, ETFs, and other investment options. Designed with beginners in mind, the wallet combines convenience with trusted security protocols.
- Minimum Deposit: £10
- Convert between 120+ crypto assets
- FCA Registered (as part of eToro UK Ltd)
- Available on iOS and Android
- Ideal for beginners and casual crypto users looking for simplicity and access to eToro’s broader trading ecosystem
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
Here are the Top 9 Crypto Wallets Available in the UK
Rank | Wallet | Price Range (Approx. £) | Wallet Type | Compatibility | Exchange Integration | No. of Supported Coins | Best Crypto Wallet For |
---|---|---|---|---|---|---|---|
1 | eToro Money Wallet | Free | Hot | iOS, Android | eToro platform only | 120+ | Beginners and everyday trading |
2 | Best Wallet | Free | Hot | iOS, Android | Best DEX (decentralised exchange) | 60+ chains | Decentralised finance enthusiasts |
3 | Coinbase Wallet | Free | Hot | iOS, Android, Browser Extension | Coinbase | 100+ | Seamless integration with Coinbase |
4 | MoonPay | Free | Hot | iOS, Android, Web | Direct fiat-to-crypto exchange integration | 100+ | Easy fiat to crypto purchases |
5 | Cypherock X1 | £150-£170 | Cold | Windows, Mac, Linux | No | 1,000+ | Maximum security for a large coin variety |
6 | Trezor Model T | £200-£220 | Cold | Windows, Mac, Linux, Android | No direct, integrates with 3rd-party | 1,800+ | Advanced security and coin support |
7 | Ledger Nano S Plus | £70-£90 | Cold | Windows, Mac, Linux, iOS, Android (via OTG) | No direct, integrates with Ledger Live | 5,500+ | Versatile and budget-friendly security |
8 | Ledger Nano X | £120-£140 | Cold | Windows, Mac, Linux, iOS, Android | Ledger Live, compatible with 3rd-party apps | 5,500+ | High-end security with broad compatibility |
9 | MetaMask | Free | Hot | iOS, Android, Browser Extension | Yes, through Web3 and DeFi platforms | Ethereum and EVM-compatible chains | Easy access to Ethereum |
Here's the Top 9 Crypto Wallets Ranked:
- eToro Money Wallet – Best Wallet for Beginners Using the eToro Platform
- Best Wallet – Ideal for DeFi Enthusiasts Across 60+ Chains
- Coinbase Wallet – Seamless Integration for Coinbase Users
- MoonPay – Best for Fast and Simple Fiat-to-Crypto Purchases
- Cypherock X1 – Maximum Security Cold Wallet with Unique Features
- Trezor Model T – Top Choice for Advanced Security and Coin Support
- Ledger Nano S Plus – Most Versatile Budget-Friendly Cold Wallet
- Ledger Nano X – Best Cold Wallet for Security and Broad Compatibility
- MetaMask – Best Wallet for Easy Access to Ethereum and Web3 Dapps
What Do Our Experts Say?
Great for eToro users—simple, secure, and convenient, but less ideal if you want full control over your private keys.
Pros & Cons
- Easy integration with eToro trading platform – Seamlessly transfer funds between your wallet and trading account.
- Multi-crypto support – Store and manage a variety of cryptocurrencies in one secure wallet.
- Private key recovery service – Enhanced security with the ability to recover lost private keys.
- High transaction fees for certain transfers – Costs can add up, especially with frequent transactions.
- No full control over private keys – Unlike some other wallets, eToro retains some control over your private keys.
- Limited to eToro users – The wallet is only available to those who have an eToro account.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
Best Wallet is sleek, secure, and great for mobile users—just be aware it’s still evolving and not fully built out for desktop yet.
Pros & Cons
- Multi-chain support: Manages assets across 60+ blockchains in one app.
- Integrated DEX: Enables direct trading with real-time market insights.
- Non-custodial security: Users retain control over private keys for added security.
- Mobile-focused: Primarily designed for mobile, with limited desktop functionality.
- Ongoing development: Some features are still being rolled out and aren’t fully available.
- New to market
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
Perfect for beginners—secure, simple, and ideal if you already use Coinbase. Just don’t expect advanced tools or full platform flexibility.
Pros & Cons
- User-Friendly Interface: The wallet is designed with an intuitive interface, making it easy for beginners to navigate.
- Multi-Currency Support: Supports a wide variety of cryptocurrencies, allowing users to manage multiple assets in one place.
- Strong Security Features: Offers private key control, biometric authentication, and other robust security measures to protect user assets.
- Limited Advanced Features: May not have as many advanced trading tools compared to other wallets or exchanges, which might be a drawback for experienced traders.
- Dependence on Coinbase Exchange: Users may find the wallet tied to the Coinbase ecosystem, which can limit flexibility in using other platforms.
- Transaction Fees: Depending on the transactions and network fees, users may face additional costs when sending or receiving cryptocurrencies.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
Great for quick, hassle-free crypto purchases—just keep an eye on the fees and don’t expect advanced trading features.
Pros & Cons
- User-Friendly Setup: MoonPay offers an intuitive and straightforward platform, making it easy for users to purchase cryptocurrencies using various payment methods, including credit cards, bank transfers, Apple Pay, Google Pay, and Samsung Pay.
- Wide Range of Supported Assets: Users can access a diverse selection of over 100 cryptocurrencies, such as Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and XRP (XRP), accommodating various investment preferences.
- Transaction Fees: MoonPay charges fees for its services, which can be higher than those of some competitors. Users should review the fee structure before initiating transactions.
- Limited Trading Features: MoonPay primarily focuses on facilitating the buying and selling of cryptocurrencies and does not offer advanced trading features like real-time trading with stop orders or limit orders.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
Impressive on security and altcoin support—ideal for serious holders, but less convenient if you need wallet interoperability or visual clarity.
Pros & Cons
- Uses multiple physical processes for secure seed generation: This enhances the security of the seed generation process, reducing the risk of compromise.
- Seed is stored securely without being on the device: By storing the seed in a secure location separate from the device, it adds an extra layer of protection against unauthorized access.
- Supports more than 3,000 altcoins: Offers compatibility with a wide range of alternative cryptocurrencies, providing users with more options for diversification.
- Not compatible with other wallets: Limited interoperability with other wallets may restrict users who prefer to use multiple wallets for different purposes.
- Relatively small screen: The smaller screen size may impact user experience, especially when navigating through various features and options.
- No microSD backup option: The absence of a microSD backup option may limit backup flexibility for some users.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
A trusted name in cold storage—secure, reliable, and open-source, but starting to feel a bit dated in design and coin support.
Pros & Cons
- Established Reputation: Trezor Model One has a strong reputation as one of the earliest hardware wallets in the cryptocurrency market, known for its pioneering security features.
- Transparent Security: Trezor is an open-source hardware wallet, allowing users to inspect its security measures and contribute to its improvement, fostering trust and transparency.
- Cross-Platform Compatibility: Compatible with various desktop and mobile wallets, including popular software wallets like Electrum and MyEtherWallet, providing flexibility and convenience to users.
- Limited Coin Support: Compared to newer models and competitors, Trezor Model T supports a more limited range of cryptocurrencies, potentially restricting users with diverse portfolios.
- Basic Design: The design and user interface of Trezor Model T are considered more simplistic compared to newer models, lacking some of the advanced features and aesthetic improvements.
- Slower Processor: The hardware specifications of Trezor Model T, including its processor, may lead to slower transaction signing times compared to newer models, although still within acceptable limits.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
One of the best value cold wallets out there—secure, affordable, and versatile, though less ideal for mobile users or those needing wireless access.
Pros & Cons
- Affordable: Priced around £70-£90, it’s a budget-friendly option for secure cold storage, appealing to both beginners and seasoned users.
- High security: Equipped with a secure element chip (Common Criteria EAL5+ certified) and Ledger’s OS (BOLOS), keeping private keys offline for optimal protection.
- Wide asset support: Supports 5,500+ cryptocurrencies, making it versatile for users with diverse crypto portfolios.
- Limited storage: Holds up to 100 apps, which may be restrictive for users managing multiple assets.
- No Bluetooth: Requires a USB-C connection, limiting wireless use and mobile convenience.
- No battery: Needs to be plugged in to operate, which could be inconvenient for quick access.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
Ideal for mobile users needing strong security—Bluetooth adds great flexibility, but the size and battery may be trade-offs to consider.
Pros & Cons
- Bluetooth-enabled: Allows wireless connectivity with mobile devices, ideal for on-the-go access.
- High security: Features a secure element chip (Common Criteria EAL5+ certified) and Ledger’s OS (BOLOS) for top-level offline security.
- Extensive asset support: Supports over 5,500 cryptocurrencies, suitable for diverse portfolios.
- Higher price: Priced around £120-£140, it’s more costly than the Nano S Plus.
- Battery life: Battery lasts only a few hours of active use, so it needs regular charging.
- Bulky for a hardware wallet: Larger size compared to other Ledger models, slightly less portable.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What Do Our Experts Say?
A must-have for Ethereum and DeFi users—easy to use and widely supported, but security-conscious users may want to pair it with a hardware wallet.
Pros & Cons
- Ideal for Ethereum and Web3: Excellent for managing Ethereum and Ethereum-compatible tokens, popular for DeFi and dApps.
- Browser and mobile support: Available as both a browser extension and mobile app, providing flexibility and convenience.
- Free to use: No cost to download and use, making it accessible for beginners.
- Limited to Ethereum-compatible assets: Primarily supports Ethereum and ERC-20 tokens, limiting compatibility with other blockchains.
- Hot wallet risks: Being an online wallet, it’s more vulnerable to cyber threats compared to cold wallets.
- No native 2FA: Lacks built-in two-factor authentication, relying instead on device security.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What is a cryptocurrency wallet?
A cryptocurrency wallet is a digital tool that allows you to store, send, and receive digital currencies. It keeps your private and public keys, which are necessary to execute transactions.
What Are the Different Types of Cryptocurrency Wallets?
Hot wallets are connected to the internet (like mobile apps), which makes them convenient but slightly more exposed to cyber threats. Cold wallets are offline, physical devices that offer far better security, especially for long-term storage.
Hot Wallets – Quick, Convenient, and Great for Daily Use
Hot wallets are ideal when you need fast access to my funds. They’re always connected to the internet, making them highly convenient for trading or buying crypto on the go. I’ve used apps like MetaMask for this kind of thing—it was easy to set up, and I can access them from my phone or laptop in seconds.
The potential downside is that they are online, which also makes them more vulnerable to hacks and malware. I always make sure mine has 2FA enabled and, wherever possible, I keep only a small percentage of my total crypto in hot wallets—just enough for day-to-day use.
Cold Wallets – My Go-To for Long-Term Security
Cold wallets (aka Hardware wallets) are physical devices (basically USB-like gadgets), and are great for holding anything in the long-term. For example if I have Bitcoin I don’t plan to touch for years—I keep it in a cold wallet. I use a Ledger Nano X, and I honestly sleep better at night knowing my private keys are stored offline, where no hacker can get to them.
You’ll need to buy one—mine set me back about £120. But it’s worth every penny for the extra peace of mind. The only trade-off? It’s not as quick if I need to move funds fast.
What is the difference between a Public key and a Private key?
Every wallet I’ve ever used comes with two critical pieces: a public key and a private key.
- Public Key: Think of this like your crypto address—kind of like a bank account number. You can share it freely because it’s what people use to send you crypto.
- Private Key: Your private key is your digital signature. It proves you own the crypto linked to your public address. If someone has access to it, they can move your funds.
How do Transactions work with my wallet?
When I send crypto to someone, my wallet uses my private key to sign off on the transaction. This tells the blockchain, “Yep, I’m the owner of these funds, and I’m authorising this move.” The transaction is verified by the network, recorded on the blockchain, and then my wallet updates my balance accordingly based on these changes.
The cool thing is, you don’t need to do any of this manually. The wallet software takes care of it—you just input the address, the amount, and hit send.
Who Holds the Keys?
Some wallets—especially ones tied to big exchanges—don’t give you control of the private key. That means the platform can access your funds, which may seem convenient, but can be a significant risk. If that exchange gets hacked or freezes withdrawals, you’re stuck.
That is why, for anything I plan to hold long-term, I use a non-custodial wallet—one where I hold the keys. It gives me complete control and peace of mind. Sure, it means I’m also responsible for keeping those keys safe, but that’s a trade-off I’m happy to make.
How Do I Find the Right Crypto Wallet for Me?
Your wallet isn’t just an app or a device; it’s the gatekeeper to your investments. I’ve tested out quite a few over the years, and here’s What I Always Look for in a Crypto Wallet, whether I’m recommending it to a friend or using it myself.
Check their Security Protocol
I can’t stress this enough—security is everything. The safest crypto wallets in the UK offer two-factor authentication or at least some level of additional encryption. For my long-term holdings, I prefer cold wallets, such as Ledger or Trezor, because they store my private keys offline. If I’m just moving funds around or trading, I’ll use a hot wallet—but only from a provider with a solid reputation and a clean security history.
Costs, Fees and HMRC
Some wallets are “free,” but sneak in fees when you send or swap crypto. Hardware wallets like Ledger or Trezor do cost a bit upfront (anywhere from £70 to £180), but for me, the peace of mind is worth it, especially for larger amounts. Also, it is worth noting that using a wallet to store or manage your digital assets is fine. Just make sure to stay on top of HMRC’s crypto tax rules to avoid any potential fines or penalties.
Supported Coins & Tokens:
I’m not just invested in Bitcoin and Ethereum—I also hold altcoins and occasionally explore newer projects. So I always check if a wallet supports the tokens I use. Most modern wallets do support multiple coins and tokens. For example, Best Wallet supports dozens (if not hundreds) of cryptocurrencies. Just check that your specific coins are supported before transferring anything. Nothing worse than setting everything up only to realise it doesn’t support half your portfolio.
Bonus Features:
I’m a bit of a geek when it comes to features, so I appreciate extras like staking options, NFT support, or built-in exchanges. But only if they’re reliable.
Before choosing a wallet to store your cryptocurrency, here’s what I advise:
Do Your Research – Whenever I test a new wallet, I have a look at Reddit threads, crypto forums, and expert reviews. Real user feedback is gold. I want to know if people have experienced issues with withdrawals or if there has been a history of hacking.
Try Before You Commit – Don’t be afraid to try out a few different wallets. You can start with a small amount—just enough to get a feel for the interface and see how the wallet handles transactions. Then, as your portfolio grows, your wallet needs will change too.
How to Send Crypto using your wallet (Step by Step guide)
Get the Recipient’s Wallet Address:
First, obtain the wallet address of the person (or platform) which I’m sending the crypto. It should look like a long string of random letters and numbers. Sometimes it can resemble a QR code, making it even easier—just scan it and go.Open the Wallet and Hit ‘Send’:
Log into the wallet app (or plug in the hardware wallet), tap the ‘Send’ button, and paste the wallet address. Most good wallets make this step pretty smooth.Choose the Crypto and Amount:
Select the coin you want to send — e.g. BTC, ETH or SOL — and enter the amount. I always double-check that the recipient wallet supports the crypto I’m sending.
Trying to send Bitcoin to an Ethereum address? That’s a surefire way to lose your funds.Review, Review, Review:
This step is crucial. Review everything—wallet address, amount, and fees. Crypto transactions are irreversible, so you can’t afford to make a mistake.Authenticate and Confirm:
When using a hardware wallet, it’ll ask for a PIN or physical confirmation. With mobile wallets, I usually get a 2FA code or biometric scan to finish the process.
How to Receive Crypto in Your Wallet
Receiving crypto is actually one of the simplest parts of using a wallet—but like everything in this space, I’ve learned it’s important to pay attention to the details.
- Generate a Wallet Address:
Every wallet has a “Receive” button—just tap it, and you’ll get a public key (basically a crypto address). Some wallets even let you generate a new one for each transaction, which is a nice privacy feature to use for business deals. - Share The Address:
It is typically sent as a copy-paste text, a link, or even a QR code. Just make sure you only share the public key, never the private one. I know that sounds obvious, but it’s a mistake I’ve seen newcomers make more than once.
How to Store Crypto in Your Wallet
Crypto isn’t just something to spend—it’s an investment. So my wallet isn’t just a tool for transactions; it’s a vault.
Long-Term Storage – If I’m holding for the long haul, I use a cold wallet. It just sits offline, keeping everything safe from hacks.
Monitoring My Portfolio – I check in on my wallets regularly—mostly to make sure transactions went through and to keep tabs on how my coins are doing. Some wallets even offer built-in charts and performance tracking, which is super handy.
Staking (Passive Rewards) – I’m a fan of staking, especially for coins like ADA or DOT. Some wallets allow you to stake directly within the app, which means I’m earning passive income simply by holding. It’s like earning interest on savings—except the rates are often better.
How Can I Keep My Cryptocurrency Wallet Secure?
Lock Down Your Wallet
- Enable All Security Features:
First thing I do with any new wallet? I set a strong password and enable 2FA. If it offers multi-signature functionality, even better—it adds another layer of protection. - Stay Up to Date:
Wallet providers are constantly patching security vulnerabilities, so I always keep my software updated. Same goes for my phone and laptop—no skipping those OS updates.
Protect Your Devices
I run antivirus software, avoid shady downloads, and never access my wallet from public Wi-Fi. And if I’m traveling? I wait until I’m back on a secure network before moving funds around. A little caution goes a long way.
Backup and Diversify
I keep encrypted backups of my wallet keys stored securely—just in case something happens to the original. And I don’t keep all my eggs in one basket. I use multiple wallets for different purposes, so even if one were compromised, the rest of my funds would still be safe.
Triple Check Everything
Before sending crypto, I always double-check the address. I even read it out loud sometimes. I’ve also gotten into the habit of testing large transactions with a small amount first. It might add a few minutes, but it saves me a ton of stress.
Final Thoughts: What Are the Best Crypto Wallets in the UK 2025?
eToro Money Wallet takes the number one spot for me. It’s easy to use, tightly integrated with the eToro trading platform, and great for anyone who wants a seamless way to move between investing and storing crypto.
Best Wallet comes in second thanks to its slick interface and strong multi-chain support.
In third place, Coinbase Wallet is perfect if you already use the Coinbase exchange—it’s beginner-friendly but also gives you full control over your keys, which I appreciate.
Bottom line? The best wallet is the one that fits your needs. If you’re actively trading, hot wallets are incredibly convenient. But if you’re in it for the long haul, pairing one of those with a cold wallet is a smart move. I use both, and recommend you do the same.
Top 5 Wallets
1
eToro
Investing in crypto carries a high level of risk.
2
Best Wallet
Investing in crypto carries a high level of risk.
3
Coinbase Wallet
Investing in crypto carries a high level of risk.
4
MoonPay
Investing in crypto carries a high level of risk.
5
Cypherock X1
Investing in crypto carries a high level of risk.
FAQs
What’s the safest crypto wallet to use in the UK?
Hardware wallets, such as the Ledger Nano X or Trezor Model T, are the safest options available. They keep your private keys offline, so they’re much less vulnerable to hacks.
Are crypto wallets legal in the UK?
Yes—totally legal. Crypto isn’t illegal in the UK, and using a wallet to store or manage your digital assets is absolutely fine. Just make sure to stay on top of HMRC’s crypto tax rules if you’re investing seriously.
Do I need a crypto wallet to buy Bitcoin in the UK?
Technically, no. If you’re buying through a platform like eToro, they will handle custody on your behalf. But if you want complete control over your coins, then getting a wallet is a smart move.
Can I have more than one crypto wallet?
Absolutely—I do. I use hot wallets, such as Trust Wallet, for daily transactions and cold wallets for long-term holdings. Splitting your assets in this way is a smart strategy, especially when dealing with larger amounts of cryptocurrency.
What happens if I lose my wallet?
If it’s a software wallet, you can usually recover it with a recovery phrase (make sure you back that up somewhere safe). If it’s a hardware wallet, same thing—you can set up a new device using your backup phrase. But if you lose your private keys and your backup? Unfortunately, your funds are gone for good.
References
- Ledger Official Website – Ledger Crypto Wallet – Security for DeFi, NFTs & Web3
- Trezor Knowledge Base – Learn | Trezor Knowledge Base
- Exodus Wallet Support Centre – Knowledge Base
- Best Wallet Documentation – Best Wallet
- Coinbase Wallet Help – Coinbase Help
- MetaMask Official Blog – MetaMask: The Leading Crypto Wallet Platform, Blockchain
- Financial Conduct Authority (FCA) – Cryptoasset Consumer Guidance
- FCA – Crypto Wallet ADVICE
- HMRC – Cryptoassets Manual
- Reddit – r/CryptoCurrency
- GOV.UK – Economic Crime and Corporate Transparency Act 2023
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Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
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