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How old do you have to be to invest in crypto?

How old do you have to be to invest in crypto? - Photo 1

How often can you meet a child who is ready to exchange walks with friends or online RPG games for serious studies in economics and finance? Let's not dissemble; such cases are more isolated in Europe than mass phenomena.

How old do you have to be to do crypto? Now in order. With each new stage of life, a small citizen has more and more rights for investments and investments. Everything is like in the same games: reached a certain level - catch the desired access or bonus. How old do you need to be to buy crypto ? The main rule is that a minor is not solvent; therefore, until the age of 18, his investment portfolio is managed in one way or another by adults: 

  • parents, 
  • guardian,
  • trustee.

Age Restrictions and Legal Considerations for Crypto Investments

How old do you have to be to trade crypto? Like any knowledge of life, raising a child's financial literacy also goes through the parents. Caring about the future of their child, his further education, and quality of life, parents, as a rule, open a child's deposit in a bank. It is documented easier, does not require special knowledge, and will allow you to increase your savings. 

Understanding Legal Age Restrictions for Investing in Crypto

However, the legislation permits you to purchase securities in a child's name, even from infancy. In practice, parents begin to think about investing in stocks at a more conscious age for the child. 

Regulatory Frameworks and Compliance Guidelines for Crypto Investments

As a rule, such initiatives most often come from them. But sometimes, the child himself, at the suggestion of advertising, peers, or Internet surfing, asks new questions and begins to understand the open possibilities.

Adolescence is a good time to start getting acquainted with the basic principles of the economy, stocks, deposits, and dividends. But how old do you have to be to buy crypto, start trading on the stock exchange, and earn your first money on your own? Under the age of 14, minors cannot make transactions, trade on the stock exchange or dispose of their shares; only parents or guardians, with the permission of the guardianship and guardianship authorities, can do this for them. Future traders do not yet make independent decisions, but with adults, they can discuss companies and investments, learn to do something new and think strategically.

Parental Consent and Custodial Accounts for Minors in Crypto Investing

How old do you have to be to invest in crypto? Holding money bills doesn't require any paperwork, but you have to be at least 18 years old or 21 years old to open a bank account and get a payment card, depending on the region.

Age Requirements on Popular Crypto Exchanges and Platforms

How old do you have to be to invest in crypto? If we consider cryptocurrency as digital money based on the blockchain, then it is logical that everyone can own it, and there is no age limit regarding cryptocurrency ownership. However, it should be remembered that while fiat money is available physically through banknotes and electronically in bank accounts and bank cards, cryptocurrency does not exist physically.

Age Policies on Leading Cryptocurrency Exchanges

Traditional economic systems and financial business laws worldwide prohibit minors from opening bank accounts or holding bank cards. One of the main reasons for this is that in most countries, upon reaching the age to buy crypto of 18 or 21, a person is considered mature and able to take full responsibility for certain aspects of life, such as finances.

Despite the lack of precise regulation in many jurisdictions, you will still need to use a trading platform to purchase, trade, or spend cryptocurrencies. Most of these platforms are regulated, centralized cryptocurrency exchanges that prevent minors from opening user accounts and investing in cryptocurrencies.


Compliance with Know Your Customer (KYC) Requirements for Age Verification

How old to buy crypto? Regulated platforms use Know-Your-Customer (KYC) protocols to ensure users are at least 18 or 21 years old before allowing them to create an account and start trading.

In addition, exchanges are asking users to verify their identity by providing photos of identification documents and taking selfies. This makes it impossible for underage enthusiasts to purchase cryptocurrencies directly since they need the relevant documents. If they were somehow allowed to create an account on a regulated exchange, they could not fund it because they do not have a bank account or payment card.

Restrictions and Eligibility Criteria for Trading and Investing in Cryptocurrencies

However, possession of cryptocurrency tokens is not illegal for minors, meaning they can download a custodyless wallet app and store their coins safely. Once they receive the cryptocurrency, they can freely manage it using the wallet or exchange it for other currencies using the exchange feature.

Alternative Options for Younger Individuals Interested in Crypto

Minors can store cryptocurrencies in their digital wallets but need help to buy them directly with fiat currency, so it is quite tricky for young crypto enthusiasts to start investing in cryptocurrencies like adults. They need help to go for the leading exchange platform. Create an account, deposit money, and start trading.

Educational Resources and Opportunities for Young Crypto Enthusiasts

Nevertheless, there are several methods by which minors can legally invest in crypto without violating the law.


How old to invest in crypto? In summary, there are no legal restrictions to owning cryptocurrencies, just like fiat currencies, but if you want to use regulated cryptocurrency trading platforms or buy cryptocurrencies with a bank card or bank account transfer, you must be 18 or 21 years old.

However, there are many alternatives to buying cryptocurrencies. The methods listed in our guide are legal, and you will not break any law if you use one of them to start investing in cryptocurrencies as a minor.

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