Singapore Crypto Investors Shift From Low Fees to Trust as Market Matures

Quick Breakdown 

• Singapore’s retail crypto market is maturing as investors favour trust and regulation over low fees.
• Long-term holding behaviour and careful risk management reflect deeper adoption.
• Regulators continue to tighten oversight, especially around overseas operations and stablecoins.

 

Singapore’s retail crypto market is entering a new phase of maturity, with investors increasingly choosing credible, regulated exchanges over those offering the lowest fees. This insight comes from a new survey released on Thursday by finance platform MoneyHero and global crypto exchange Coinbase.

Rising ownership reflects deepening adoption

The survey, which gathered responses from 3,513 financially informed Singaporeans and crypto-curious residents, revealed that 61% of them now own digital assets . Researchers say this level of participation indicates that crypto has clearly moved into the mainstream within the city-state.

Source : MoneyHero

A growing number of investors appear committed to the long haul. The report showed that 58% describe themselves as long-term holders, while 42% have kept their positions for more than two years. Most respondents continue to manage their risk carefully, with crypto accounting for less than 10% of their total portfolios and an average holding of 3 tokens per investor. Interest in digital assets also remains strong among non-holders, with 27% saying they intend to invest in the next 12 months.

Trust becomes the leading factor in exchange selection

One of the survey’s most notable findings is the shift in priorities when choosing trading platforms. Investors now place greater trust in returns over transaction costs, signalling a move away from simply chasing the lowest fees. The data suggests that Singapore’s retail market is placing higher value on regulated platforms, stronger security measures and operational transparency.

Respondents expressed a divided view on what cryptocurrency represents. Forty-four per cent regard it as a legitimate asset, while 29% see it more as a speculative instrument.

Social media tops education sources, highlighting both risk and reach

When it comes to learning about crypto, social media remains the most influential channel, with 62% of respondents saying it is their primary source of information. This trend presents opportunities for broader education but also raises concerns about misinformation.

Friends and family were the next most common source, followed by news organisations and exchange blogs. Confidence levels in crypto knowledge were almost evenly split, with 48% saying they feel sure of their understanding and 52% admitting that they do not. Meanwhile, Singapore’s central bank is signalling a looming crackdown on unregulated stablecoins as it works to strengthen the country’s financial ecosystem.

 

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