Top 10 Cryptos to Buy in January 2026

If you are following cryptocurrency for a while, then you would be knowing that the market goes through a cycle of rise and fall. Now if the price is up, the very next hour it may fall, then it will rise again.

But there are four specific things which are happening right now in January, 2026 that have never all happened together before.

First, the market is showing technical signs of recovery. Because Bitcoin’s open interest dropped 31% recently. Which means that fewer people are actively trading Bitcoin right now.

Till now this thing was happening at market bottoms before prices started climbing again. It is like a quiet movement before the thunder.

The second thing is that regulatory clarity is finally improving. WIth Trump administration in power, crypto regulations are becoming more clear.

And according to recent data, 52% of Americans believe that Trump’s presidency boosted cryptocurrency values, and 60% people are expecting that crypto prices will rise this year.

So even if you support these policies or not, but it is a fact that clearer rules mean businesses and investors feel more confident in entering the crypto space.

Third, real-world adoption has been accelerated faster than it was before. Emirates Airlines announced they will start accepting crypto payments in 2026.

And this is not a small startup experiment. Instead this is one of the world’s largest airlines which is going to accept bitcoin and other crypto as payments.

And recently, stablecoin transaction volume also hit an incredible $46 trillion in 2025. To put that in frame, this is 20 times more than what PayPal processes annually. And this proves that people are not just buying crypto anymore, instead they are actually using it.

Fourth, new-gen technology is making crypto practical for daily life. Ethereum layer-2 solutions, which basically are faster and more affordable versions of Ethereum, are positioning themselves as the driver for mainstream adoption.

What this means is that now you can send crypto without paying that extra $20 or $30 in fees like before. Because fees are now just a few cents on networks like Polygon and TRON.

And all of these factors together create what market analysts call “confluence of positive signals".

But do remember that this does not guarantee that the prices will go up. Because nothing in crypto is guaranteed. But it does mean that infrastructure, adoption and market conditions are stronger now than they have been in years which indicates a rise in price in upcoming days or weeks or even months.

This is why people are nowadays searching for “top cryptos to buy 2026” and “best crypto to buy now” more than they were searching before. The foundations are being built for crypto to move from a speculative and unsafe investment to something you actually say is safer and actually use in your everyday life.

With thousands of cryptocurrencies available in today’s market, how do you separate the genuine opportunities from the risky gambles?

For this we have used five clear criteria to select these top 10 crypto coins to buy today.

First is, market capitalization. This means the total value of all coins in circulation. Larger market cap means more stability and less chance of that project disappearing overnight. You can think of it like choosing between a well-established company versus a yesterday launched startup.

The second point is the real-world use case. As we move into 2026, we focus on cryptocurrencies that will actually solve the problem or provide real utility. We lined up some questions and saw each crypto according to that. Can you use this crypto for payment? Does it power useful applications? Or is it just speculation with no purpose? The crypto available on this list is somewhat practical which is more important in 2026.

Third is development activity. Do we see that the team behind the project is actively improving it or not? Are they releasing updates and fixing issues? Here active development means that the project is alive and evolving and not abandoned. We checked GitHub activity and official announcements to verify each and everything.

Fourth is liquidity. Are you able to easily buy and sell this crypto without massive price swings? High liquidity means that you can enter or exit your position quickly without losing money to poor pricing. All cryptocurrencies on this list have strong daily trading volumes.

Fifth is wallet support. Individually, we made sure that each cryptocurrency is able to store in secure, user friendly wallets like Oppi Wallet. Because there is no point in buying a crypto if you are not able to store it safely after buying it.

Do remember that is not a random list based on hypes or not any paid promotion is included. Instead these are the top cryptos to buy in 2026 based on objective criteria which prioritize your safety and practical utility.

Now, let us look at each cryptocurrency in detail.

Now let’s have a look at the particular cryptocurrencies which are offering the best combination of stability, utility, and growth potential right now.

1. Bitcoin (BTC)

What It Is:

Bitcoin, the very first cryptocurrency which was created in 2009. You can also say it as Digital Gold. Either you or your parents both are buying Bitcoin to store so their value increases over time. Just like how your grandparents and parents might have bought gold jewellery or coins as savings.

Why Buy It Now:

Many financial experts are predicting that Bitcoin could reach $105,000 in the coming months. Because Bitcoin’s open interest dropped by 31%, which historically signals market bottom before prices start climbing again.

Major institutions like Standard Chartered have set price targets between $150,000 for 2026, though they recently revised their forecast to be more conservative. But the important point is that the safest entry into cryptocurrency is still Bitcoin.

Real-World Use:

Bitcoin is the best option for long-term savings and large transactions. Like if you want to send $10,000 to your family abroad, then Bitcoin lets you do this in a few minutes or few hours depending on high-traffic periods. instead of waiting for 3-5 days for a bank transfer.

Whereas, international bank transfer takes 3-5 days. Though there are some services which offer quick money transfers but their fees are so high that your 3-6% of money is eaten in fees only.

Also Airlines like Emirates are going to accept bitcoin and other crypto as payments soon for flight bookings. And many other businesses are already accepting bitcoin and other crypto as payments.

Risk Level: Medium

Bitcoin is the most established cryptocurrency, but prices can still swing 10-20% in a week. And that is why we suggest investing money which you can afford to lose, never invest money which you might need urgently.

How to Store in Oppi Wallet:

Bitcoin is supported on Oppi Wallet by default. Once you complete your initial setup of your Oppi Wallet account, tap “receive” on your dashboard, select from the list and you will find your unique BTC address. Now copy this address or you will also see QR code to receive Bitcoin from anyone.

2. Ethereum (ETH)

What It Is:

Ethereum is not just another cryptocurrency. But it is a platform that lets developers build applications on top of it. These applications are called DApps or Decentralized Applications. YOu can think of Ethereum like Android or iOS, but it is for financial apps and digital services.

Why Buy It Now:

Ethereum’s layer-2 solutions are positioning Ethereum as the main driver for mainstream crypto adoption. Here layer-2 means faster and cheaper transactions built on Ethereum.

In starting, sending ethereum cost $20-$30 in fees and sometimes more than this depending on high-traffic period. But now with layer-2, fees are just pennies. And this benefit makes ethereum practical for everyday use, and not just for big transactions.

Also Ethereum gained 10% in early January, showing strong momentum in coming days or months.

Real-World Use:

Ethereum runs most DeFI platforms in which you can lend, borrow or even trade crypto without banks. It also hosts NFT marketplaces and thousands of other applications.

If you really want to see what crypto can do apart from storing money, Ethereum is your gateway.

Risk Level: Medium

Ethereum is also well-established and many users trust it. But its price follows Bitcoin’s movement very closely. Main network gas fees are still high during busy times, though layer-2 solutions solve this problem.

How to Store in Oppi Wallet:

Oppi Wallet supports Ethereum by default. It also automatically stores all ERC-20 tokens, these are tokens which are built on the Ethereum network.

3. USDT (Tether)

What It Is:

USDT is a stablecoin, which means that its value is always set with the US dollar. In simple terms, one USDT always equals one dollar. It does not go up or down like Bitcoin or Ethereum. This thing makes it perfect for spending and saving without taking any worries about price swings.

Why Buy It Now:

The transaction volume of Stablecoins hit a massive number of $46 trillion in 2025. This is more than what PayPal processes annually. People have already started using USDT to pay bills, book travel and send money internationally using USDT.

Recently in January 2026, Tether Limited who launched Tether (USDT) froze $182 million worth of USDT linked to illegal activity, which shows that they actively maintain security, but from this some users worry about centralization.

Real-World Use:

USDT is the perfect choice for everyday spending. You can pay for netflix subscriptions, apple pay subscription or any tools subscription, you can pay for groceries, you can shop online internationally without worrying about high FX charges. You can also easily book flight tickets.

And all this you can do without worrying about price drops. You can also send money to your family abroad and that too instantly with just some cents in fee instead of paying $30-$40 in wire charges.

Risk Level: Low

The price stays stable at $1 . It goes in negative or positive sometimes but comes to $1 quickly. The main risk with USDT is that the company Tether Limited which launched USDT is a centralized company. If a company faces any problems, then USDT could be affected. Still, it has maintained its dollar peg successfully for years.

How to Store in Oppi Wallet:

As Oppi Wallet is a multi chain wallet, USDT is available on multiple chains in Oppi Wallet: Ethereum, TRON (lowest fees), Binance Smart Chain, and Polygon. When you are receiving USDT you should choose the TRON network for the cheapest transactions. In this, fees are often less than $1 compared to $5-$10 on Ethereum.

4. Solana (SOL)

What It Is:

Solana or SOL is a blockchain which is known for extremely fast transactions and very low fees. While Bitcoin processes about 3-7 transactions per second, Solana can handle thousands. And this thing makes it popular for trading, NFTs, and applications that need speed.

Why Buy It Now:

Solana has an increasing developer activity with a growing ecosystem. After recovering from network issues in previous years, Solana has proven resilience.

For some time it is becoming the preferred blockchain for NFT projects and fast trading applications. Its speed advantage over Ethereum remains significant.

Real-World Use:

Solana is the top choice for fast transactions when you need to send crypto quickly. It is a popular choice among those traders who buy and sell frequently because the low fees means they keep more profits.

Further, NFT creators also prefer Solana because creating (minting) NFTs costs pennies instead of dollars.

Risk Level: Medium-High

Solana is newer than Bitcoin and Ethereum. It has experienced some network outages in the past, but since then improvements have been made. Higher reward potential comes with higher risk.

How to Store in Oppi Wallet:

Solana is one of Oppi Wallet’s five default supported blockchains. You simply have to select SOL when receiving or sending. Integration is very seamless and it requires no additional setups.

5. BNB (Binance Coin)

What It Is:

BNB or Binance Coin is a cryptocurrency which is created by Binance, which is the world's largest cryptocurrency exchange as of now. Many people are using BNB just to get discounts on trading fees at Binance and to interact with applications built on Binance Smart Chain.

Why Buy It Now:

Binance is the world’s largest exchange with massive trade volume. It generated approximately $25.09 trillion in derivatives trading volume in 2025. BNB also powers Binance Smart Chain, which is another popular blockchain for DeFi applications due to its low fees compared to Ethereum.

Real-World Use:

If you trade cryptocurrency frequently on Binance, then holding BNB saves you money through fee discounts. BNB is also used across hundreds of applications on Binance Smart Chain, from DeFi lending platforms to games and NFT marketplaces.

Risk Level: Medium

BNB’s value is closely tied to Binance’s success and regulatory standing. While Binance is a huge platform, any regulatory issues affecting the company could impact BNB’s price.

How to Store in Oppi Wallet:

BNB lives on Binance Smart Chain, and it is also one of the default blockchain which is fully supported in Oppi Wallet. You can simply receive BNB by selecting the BSC network and copying your address. Oppi Wallet automatically detects and displays BNB and other BSC tokens.

6. XRP (Ripple)

What It Is:

XRP is a cryptocurrency which is specially designed for banks and financial institutions so they can send money across borders quickly and cheaply. White Bitcoin takes 10-60 minutes or even sometimes a few hours to confirm a transaction, XRP settles it in 3-5 seconds.

Why Buy It Now:

XRP climbed up to 25% in the very first week of January 2026, which reached approximately $2.40 before stabilizing. During the same period it outperformed Bitcoin (6% gain) and Ethereum (10% gain). Banking partnerships are continuing to expand as many institutions are seeking efficient cross-border payment solutions which are faster and cheaper. Also legal clarity around XRP has improved it significantly.

Real-World Use:

XRP is one of the best crypto to choose for fast international money transfers. If you need to send money from United States to India or to Europe, XRP can settle it in seconds instead of 3-5 days which traditional banks take, and then also it costs a fraction of the fees.

Risk Level: Medium

As legal clarity has improved, some regulatory uncertainty still remains. XRP’s price is volatile, but its banking partnerships provide long-term potential.

How to Store in Oppi Wallet:

To send or receive XRP. Open the dashboard. Click on receive or send, you will see XRP token, If you are not seeing it you need to scroll. If you are not able to find it, then you can manually add an XRP token by clicking on the plus icon and then follow the steps accordingly to add XRP. Then your XRP address and QR code will appear, which is ready to receive funds.

7. Cardano (ADA)

What It Is:

Cardano is a blockchain platform which is built by academics and researchers. It mainly focuses on sustainability, by using far less energy than bitcoin, it aims to solve problems through peer-reviewed scientific research before implementing features.

Why Buy It Now:

Cardano is showing a steady development activity with the growing DeFi ecosystem. Though it is moving slower than competitors because of its research first approach, this approach reduces bugs and security issues. Cardano is one of the top cryptos to watch in January 2026 according to market analysts.

Real-World Use:

Cardano supports smart contracts which is similar to Ethereum but cardano consumes much lower energy than Ethereum. It is becoming more popular in developing countries for identity verification, supply chain tracking and financial services where sustainability matters.

Risk Level: Medium

Cardano’s slower development speed makes it far behind its fast-moving competitors. But with this they also have the advantage of fewer critical bugs and security issues.

How to Store in Oppi Wallet:

To send or receive Cardano (ADA). Open the dashboard. Click on receive or send, you will see Cardano token (ADA), If you are not seeing it you need to scroll down. Still if you are not able to find it, then you can manually add Cardano token (ADA) by clicking on the plus icon and then follow the steps accordingly to add Cardano (ADA). Then your Cardano (ADA) address and QR code will appear, which is ready to receive funds.

8. TRON (TRX)

What It Is:

TRON is a blockchain which is originally designed for content creators and entertainment applications. But today, it is most known for having extremely low transaction fees, which makes it popular for sending stablecoins like USDT cheaply.

Why Buy It Now:

TRON Transaction fees are extremely low, sometimes even in pennies per transaction. And that is why it has become the preferred network for USDT transfers using TRON because it costs around $1 compared to $5-$15 on Ethereum. Volume on TRON is continuously growing as more people are discovering these low fees.

Real-World Use:

TRON is perfect for low cost transactions and sending stablecoins. If you ever need to send USDT to someone urgently, then using the TRON network will save you a notable amount in fees. Content creators are also using it for tipping systems where micro payments make sense.

Risk Level: Medium

TRON faces some centralization concerns because the network is controlled by a smaller group of validators. However, the low fees and high transaction speed makes it practically useful.

How to Store in Oppi Wallet:

TRON is natively supported in Oppi Wallet. This is perfect for low-fee USDT transfers. Simply select TRX or USDT (TRC-20) when receiving funds, and enjoy minimal transaction costs.

9. Chainlink (LINK)

What It Is:

Chainlink connects blockchain to real world data. You can think of it as a translator. Smart contracts which are on blockchain are not able to access information from the internet like weather, sports scores, or stock prices. Here chainlink acts as the bridge, providing this data securely. These bridges are also called “Oracles”

Why Buy It Now:

Chainlink is an important structure for DeFi growth. As more upcoming financial applications are being built on blockchain, they all will need reliable real-world data. At this point, chainlink has become the standard oracle solution, which is integrated into hundreds of projects. And this makes it valuable as crypto infrastructure grows.

Real-World Use:

Chainlink is used to power smart contracts which need external data from the internet. For example, insurance apps that automatically pay out based on weather conditions, or prediction market apps that need sports scores. Without chainlink or similar oracles, these applications cannot function properly.

Risk Level: Medium-High

Chainlink is a technical project. The value of it depends on continued DeFi growth. Its price can be volatile and understanding exactly what Chainlink does requires some technical knowledge.

How to Store in Oppi Wallet:

LINK is an ERC-20 token, which means it lives on the Ethereum network. It is stored automatically with Ethereum in Oppi Wallet. Once you have Ethereum support set up, LINK appears automatically when you receive it.

10. Polygon (MATIC) - Ethereum's Helper

What It Is:

Polygon is a Layer-2 scaling solution for Ethereum. In simple terms, it makes Ethereum faster and cheaper. Instead of processing transactions directly on Ethereum's main network (which is slow and expensive), Polygon processes them on a separate layer and then reports back to Ethereum.

Why Buy It Now:

As Ethereum Layer-2 solutions gain traction, Polygon has been positioning itself as a mainstream driver. And many major companies are also building on polygon just because it offers Ethereum’s security and with lower fees. Also transactions on Polygon cost pennies instead of dollars, making crypto practical for daily use.

Real-World Use:

For daily transactions, Polygon is a cheaper version of Ethereum. So when you want to use DeFi applications, trade NFTs or even interact with blockchain apps without paying high Ethereum gas fees, polygon is the best solution. Major brands like Starbucks and Nike have experimented with Polygon.

Risk Level: Medium

The success of Polygon is heavily dependent on Ethereum's success. So if Ethereum solves its scaling issues, polygon’s value proposition diminishes. But for now, Polygon remains essential infrastructure.

How to Store in Oppi Wallet:

Polygon is one of Oppi Wallet's five native blockchains, fully integrated. Select Polygon network when receiving funds, and enjoy low-fee transactions while maintaining compatibility with the Ethereum ecosystem.

Now that you are knowing which are the top cryptos to buy, let us show you exactly how to buy them. The process is simpler that you might think.

Step 1: Download Oppi Wallet

Go to Google Play Store if you are using Android or Apple App Store for iOS. Search “Oppi Wallet” and download the official app from there. Look for the verified developer name “Encoin Limited” to avoid downloading fake apps. The entire setup of your wallet is done under 10 minutes, even for beginners.

You can follow this guide to setup Oppi Wallet in 10 minutes without any confusion.

Step 2: Complete Your Wallet Setup

After downloading your app, open it and follow the setup instructions. In this the most important step is writing down your 12-word seed phrase on paper and storing it at secured places. This is a very critical step because your seed phrase is your master key to your crypto.

Then follow each and every step to set up your account as given in the guide. Enable 2-step verification, biometric authentication for add-on security.

Step 3: Buy Crypto Directly in the App (Still in testing phase - launch soon)

Once your setup is complete, you will see your wallet dashboard. You will see send, receive, swap, API buttons and Buy and Sell when the feature launches. Once it is launched you have to click on the “Buy” button.

You will see a list of cryptocurrencies which you can buy directly from the Oppi Wallet app. Top 10 Crypto which we have listed above are all available in Oppi Wallet and you can buy them easily once the feature is launched.

You simply have to enter the amount you want to buy. You can start with as little as $20 if you want to test (which we also recommend to start with low). Select your payment method. Review each details including fees properly and then confirm your purchase. The app will process your payment securely.

Step 4: Your Crypto Appears Automatically

Within a few minutes, your cryptocurrency will show up in your Oppi Wallet balance. You do not need to do anything else. No complicated transfers. No waiting for days. Your crypto is ready to use, spend, or save.

This is how to buy top crypto coins directly without dealing with complicated exchanges.

Alternative Method: Using Exchanges

As of now that Oppi Wallet buy feature is in development you can buy these top 10 cryptocurrencies from exchanges and then send it to Oppi Wallet securely. You can use exchanges like Binance, Coin Base, BitGet etc.

Do remember to send your crypto to Oppi Wallet or any other self-custody wallet which you are using for safer storage. Because exchanges can be hacked or face some regulatory issues due to which either your crypto will be stolen or your crypto will be frozen for a time period which is not mentioned. Whereas, Self-custody wallets like Oppi Wallet, Trust Wallet, ZenGo, etc, gives you complete control on your crypto.

You can send your crypto means transfer your crypto from an exchange to Oppi Wallet easily. Simply tap on the Receive button in Oppi Wallet, you will see your address and QR code. You can simply copy that address or even scan the QR in your exchange withdrawal section.

Do remember that always send a small test amount first to make sure that your address is correct because hackers inject your device with malware which changes your wallet address and you can not even notice because they create similar to identical addresses changing digits from middle.

Buying a crypto is easy. But actually keeping it safe is the real challenge.

Recently, on 24th December, 2025, Trust Wallet was compromised and 2,520 wallet owners lost around $8.5 million in a single hack. But the main point here is that this was not due to carelessness of people who clicked on scam links. They downloaded Trust Wallet from the official chrome web store but still got hacked.

Because the Trust Wallet extension secret API key was compromised somehow due to which hackers were able to change trust wallet extension's current version and uploaded a new update which carried a virus which was sending each and every detail even seed phrases of users to the hackers due to which they were able to steal $8.5 million.

And this hack showed that even big, established wallets can have vulnerabilities.

This is exactly why choosing a secure wallet matters just as much as choosing which cryptos to buy.

Step-by-Step guide on How to Store Crypto securely

Step 1:

Download Oppi Wallet from Official Sources only.

To Download Oppi Wallet for Android: Open your playstore and type Oppi Wallet, you will see our app on the first, though to confirm check developer name “Encoin Limited”

To Download Oppi Wallet for iOS: Open your App Store and type Oppi Wallet, you will see our app on the first, though to confirm check developer name “Encoin Limited”

Note: When the app is being updated it will not be available for some time on iOS. That doesn't mean that we have been removed from iOS.

Step 2:

Once you have downloaded the Oppi Wallet App, you will see two options, “Import Wallet” and “Create New Wallet”, if you already have an existing wallet either in Oppi Wallet or any other self-custody wallet then click on import and enter your seed phrase.

Your wallet will be imported in Oppi Wallet, you can still use that wallet if you want. You can use each and every feature, even virtual crypto card and travel with crypto.

Now if this is your first self-custody wallet, then click on create a new wallet, enter email address, password, and country.

After this step verify your email which you will get on the email which you entered in the very first step.

Then on the next screen, you will see two options for your seed phrase. One is backup to google drive and the other is backup manually. Now here what this means is that how you want to store your seed phrase.

If you select Backup to Google Drive, then it will be stored to your google drive. And if you select Backup Manually, then you have to write down your seed phrase manually on paper.

We never suggest you to store your seed phrase on google drive or any other cloud storage, even we do not suggest to take a photo of your seed phrase, or write down in your phone notes, or in WhatsApp or any other messaging app or in any password manager app.

We suggest never store your seed phrase also known as a backup phrase on a digital space like mobile, computer or anything else. Because when hackers target you via any corrupted file or corrupted app, first they check each and every file, backup, data each and everything of every apps

Instead choose, “Backup Manually” option, though in this you have to write down your seed phrase manually but this is the safest way to stay away from digital frauds. Because a hacker can reach you digitally but how will they reach a paper which is stored in your safe. And this does not mean that you create only one copy of the seed phrase, create multiple copies, store at different locations at your house, give one to your trusted family members and tell them to store at the safe place, store one in a bank locker.

Because if you create only a single seed phrase and it gets lost, then you will lose all your crypto, but if you have multiple copies then you can restore easily.

Now after selecting the way you want to store your seed phrase we will move forward, if you stored it on google drive the steps will be a bit different if you stored manually then we will show you your seed phrase, write down your seed phrase according to the exact number it is shown, even if you write your seed phrase not according to the order then also it will show wrong, also write proper spellings.

After writing your seed phrase you need to verify your seed phrase, here you will see that you have written it correctly or not.

After verifying seed phrase, congratulations, your first self-custody crypto wallet is created. Now you can easily store, buy, sell, send, receive & spend your bitcoin, ethereum, USDT, USDC or any other 40+ supported cryptocurrencies.

Do remember that to create a virtual card you need to complete your KYC, other than that you can take benefits of other features without KYC.

If you are still confused in creating your first wallet, then here is a complete guide on how to setup your crypto wallet under 10 minutes.

Step 3:

Now that your wallet is created you can easily secure your crypto with full self-custody.

Note: In full self-custody concept you are solely responsible for each and everything, meaning you are your own bank. And that is why you need to be highly aware of downloading fraud apps, clicking on spam links, downloading anything coming from unknown sources. Though we or any other full self-custody wallet provides security features which acts as the final barrier between your crypto and hacker, it is as important to stay aware also otherwise you might lose access sooner.

Now, on the dashboard you will see options for send, receive, buy, sell. To store your crypto safely. Either tap on receive or buy. 

Once you tap receive you will see a list of crypto which you need to receive either from another wallet, exchange or person. For example, what you want to receive means you want to store bitcoin. Click on bitcoin, you will see a QR code, and your address with a copy button.

Either you can scan the code or send your QR code by copying it. If you are sending your address manually then do check your address multiple times, as many hackers change your address with their address which are mostly identical to yours, because the change is in the middle which many people ignore checking.

And that is why we suggest scanning a QR which does not have this issue.

Once the process is complete you can see your crypto in Oppi Wallet now. As Oppi is a fully self custody wallet, your crypto is fully secured. But enable security features which we are providing for that extra layer of security.

Oppi Wallet's Security Features

Oppi Wallet uses a self-custody model. This means that you fully control your crypto. Even Oppi Wallet cannot access your funds. Nobody can freeze your account or stop your transactions. Your crypto fully belongs to only you.

Oppi Wallet successfully passed a comprehensive security audit by CyberScope, which is one of the leading blockchain security firms. Where independent experts checked every line of code to find vulnerabilities before hackers could. Oppi Wallet passed this test with a clean record.

Oppi Wallet security has four layers:

12-word seed phrase: This acts as a master key for your crypto, if someone gets this, they can easily access your crypto.

6-digit PIN Code: This is a 6 digit pin code like you lock your phone with but here it is used to lock your app on your phone. Don’t keep this same as your phone PIN code.

Biometric Authentication: You can even enable your fingerprint or face ID with 6-Digit PIN Code.

Google Authentication/2FA: Once you enable this, to access your Oppi Wallet account you will need to verify that it's you by verifying the authentication code.

This extra layer of security like 6-digit pin code, biometric authentication and Google 2FA secures your wallet when a third person is trying to open your wallet in your phone. Or when your phone is stolen. And the 12-word seed phrase is used to recover your wallet on another device.

Best Practices for Maximum Safety

You can follow this simple best practices to keep your crypto safe:

Write down your seed phrase on a paper and not make it single, create multiple copies. Never take any screenshot of your seedphrase, Do not store it digitally anywhere, not it notes, not on google drive or other cloud platform and do not even email it to yourself.

Because hackers can access your phone and the first thing they do is check notes, camera photos, screenshots, whatsapp chats, emails, private storage, password. But they cannot reach the paper which is locked in your drawer.

Treat your seed phrase like cash or gold jewelry and store it in a very safe place. Some people keep it in their home safe, others keep it at a trusted family member's house, some keep it in a bank safe. You have to choose what works best for you, but in the end it should be safe, secured and private.

Never share your seed phrase with anyone. Not even with customer support because no customer support will ask you to share your seed phrase. Whenever someone says that they are customer support from Oppi Wallet or any wallet you are using and asks for your seed phrase, then be aware because it’s a fraud.

Do not share it even with your friends or family members until you fully trust in your family member then it’s your choice.

Nobody will ever ask you for your seedphrase. And if anyone asks it then it's a scam. No exceptions. Directly block them and report them.

Use a strong and different PIN which you have not used till yet, even different from your phone unlock code. Because if your phone gets stolen and someone knows your unlock code, they can access your Oppi Wallet if your pin matches your phone unlock code. And if it's different then they will not be able to access it.

Enable Face ID or fingerprint authentication. Because this adds an extra barrier.

These steps take 5 minutes but protect your investment forever.

Multi-Chain Advantage: One Wallet for Everything

Here is a practical benefit which most people overlook. Oppi Wallet supports five blockchains by default: Ethereum, Solana, TRON, Binance Smart Chain, and Polygon.

This means that you store all the top 10 cryptos which we have discussed above in one single app. You don’t need a separate Bitcoin wallet or another wallet for Ethereum, a third wallet for Solana and so on. Every crypto in this list can be stored in one single app.

And it is easier and simpler to manage one wallet than to manage multiple wallets. You only have to secure one seed phrase and not five different ones which causes confusion and headache of losing anyone. One pin to remember. One app to update, not multiple.

This simplicity reduces mistakes. Because more wallets means jumping from one app to another, higher risk of losing a seed phrase, sending crypto to the wrong address. Whereas one wallet means less complexity and fewer risks.

Plus, when you want to spend your crypto you will not get a virtual card feature in every wallet because there are thousands of wallets available today in the market, from that hundreds of wallets are only providing this virtual card feature and only few of them are providing travel with crypto feature.

So if you want to spend your crypto and you are using a wallet specially for Ethereum or Ethereum based crypto, then that wallet might not be providing spending features. Then you have to transfer your Eth to Oppi Wallet or any other wallet which gives you a virtual card and that is not guaranteed that it will work everywhere. Whereas Oppi Wallets Virtual Crypto Card works with around 150 million merchants or over 210 countries and territories

So to spend your ETH, you will send your that from one wallet to Oppi Wallet, this will cost you gas fees and any other hidden fees if that wallet charges plus time. Once you receive your crypto then you will spend your crypto.

But what if all this comes under one wallet only which covers multiple blockchains and cryptocurrencies like BTC, ETH, USDT, ESDC and other 40+ crypto and also lets you buy, sell, send, receive, securely store and spend your crypto.

These are all the features which Oppi Wallet gives to its users. No need to transfer between wallet or exchanges each time, no need to pay fees each time. Simply just spend your crypto, buy, sell, send, receive, store each and everything.

If you are new to investing in crypto, you need to understand the serious risks involved with it. Because this is not like putting your money into a savings account.

Price Volatility

Cryptocurrency prices are never fixed; it drops to 20% to 50% in just a few days and vice versa. Bitcoin has crashed by over 80% multiple times in history though now the figure has come to around 25% to 45%.

And that is why we and other experts suggest to invest only that much amount of money which you can afford to lose completely. Never invest your emergency funds, rent money, or savings which you need for important expenses.

Not FDIC Insured

Unlike your bank account, cryptocurrency is not insured by any of the government agencies. Which means that if you lose your 12-word seed phrase, your money is gone forever.

Because there is no customer service which can help you or any higher position executive who can reset your password. If this happens then what is the meaning of self-custody. You are 100% responsible for protecting your funds.

Scams Are Common

Cryptocurrency are loved by scammers. You have to watch out for

Fake websites which look like real wallets.

Phishing emails pretending to be from Oppi Wallet, or any other wallet which you are using.

Message promising “guaranteed high returns” or “double your crypto.”

Strangers offer help in investing.

And that is why we always say download Oppi Wallet only from the official Apple App Store or Google Play Store. Never share your seed phrase with anyone, not even someone claiming from the support team.

Market Manipulation

Smaller cryptocurrencies which have low trading volume can be easily manipulated by large holders. Stick to well-established cryptocurrencies like Bitcoin and Ethereum when you are starting out.

Regulatory Risk

Cryptocurrency laws and regulations are still developing worldwide. The government might restrict or ban certain crypto in future, Tax rules can be changed. That is why always check your local regulations about cryptocurrency

Technical Risk

If you send money to the wrong account you redo it by contacting the bank or to the person. But if you send crypto to the wrong wallet address then it means permanent loss. Because there is no undo button. To tackle this, always send a small test amount first before transferring a large amount.

Balanced Perspective

Despite having these risks, millions of people are using cryptocurrency safely everyday. With proper education, staying updated with latest news, secure self-custody wallets, and following basic safety rules minimizes most of the risks. Start with a small amount, learn step by step and never invest more than what you can not afford to lose.

The top 10 Best Crypto to Buy in this list represents different investment strategies, you can not use each in the same way.

Bitcoin and Ethereum offer stability and long-term growth potential. Whereas, altcoins like solana provide higher risk but come with higher potential rewards too. Stablecoins like USDT and USDC give you spending power and price stability.

What you should do now if you are new to cryptocurrency

Download Oppi Wallet from Apple App Store or Google Play Store

Take baby steps. Start with a small amount of $20 to $50 if you are new.

Buy 1-2 top crypto today which you understand well.

Store them safely in your self-custody wallet with your seed phrase secured.

Keep learning continuously before expanding your portfolio

Final Disclaimer

Remember: This is not any financial advice. Cryptocurrency involves high risk and volatility. Only you have the power to decide what is right for you, for your money and for your financial situation. Never invest the money which you can not afford to lose completely.

Ready to Start?

Download Oppi Wallet today and start securely storing, buying, selling, swapping, sending, receiving and most importantly spending your crypto today. Your crypto, your control, your way.