Bitcoin at $80,000: The Practical and Ethical Guide to Getting Started (Or Not) with Crypto in 2025

Disclaimer: This article is for educational purposes only and does not constitute investment advice. The cryptocurrency market is extremely risky and volatile. Never invest more than you are willing to lose. At Crypto P2P Club, we do not necessarily recommend investing in crypto, but we are committed to providing honest and ethical education for those who, after their own research, decide to explore it.

The crypto market has just lost nearly $1 trillion in a few weeks. Bitcoin has dropped from $126,000 to $80,000. Fear is palpable. Media outlets speak of a "carnage" and "investor flight."

So, is this the worst time to get interested in crypto?

At Crypto P2P Club, we believe it is actually the best time to learn. Far from the euphoria of bull markets, bear markets offer a unique opportunity to understand the technology without the noise of speculation.

This article is not a guide to getting rich quick. It is a practical and ethical guide to help you determine if crypto is right for you, and if so, how to begin your journey responsibly and aligned with your values.

Before You Start: Two Paths, One Ethics

There is no single way to enter the crypto world. Your path will depend on your profile, your values, and your technical comfort level. We have identified two main profiles:

The Sovereign: You value decentralization, full control over your assets, and the principle "Not your keys, not your coins." You are willing to take on more responsibility for complete freedom.
The Pragmatist: You prioritize simplicity, ease of use, and low fees. You are comfortable entrusting the custody of your assets to a trusted third party while trying to do so in the most ethical way possible.

Regardless of the path you choose, the ethical principles remain the same: prudence, education, long-term vision, and responsibility.

Path 1: The Way of Sovereignty (Decentralization)

"Anyone who doesn't want to bother with managing their private keys should not invest in crypto." – Andreas Antonopoulos, renowned Bitcoin educator.

This path is for those convinced by Bitcoin's original promise: to be your own bank. You trust no one but yourself to secure your wealth.

The Recommended Tool: Sahal Wallet

For this path, we recommend a non-custodial and Sharia-compliant wallet like Sahal Wallet. "Non-custodial" means that you, and only you, hold the private keys to your cryptocurrencies.

Why Sahal Wallet?

Ethical: Designed according to Islamic finance principles (no interest-based products, etc.).
Non-custodial: You have total control over your funds.
Multi-chain: Manages multiple cryptocurrencies.

If you wish to support our educational work, you can use our referral code when creating your wallet: e994ckzmyibg or via this link: https://api-sahal.mrhb.network/sahalinfo/referral?referralCode=e994ckzmyibg

Disadvantages to Be Aware Of

Absolute Responsibility: If you lose your seed phrase (the 12 or 24-word phrase that is the main key to your wallet), your funds are lost forever. No one can help you.
Higher Fees: On-chain transactions can incur higher fees (gas fees) than on a centralized platform, especially during network congestion.

Ethical Tips for the Sovereign

Protect Your Seed Phrase (Amanah – Trust): This is your most precious asset. Never store it digitally (no photos, no text files, no cloud). Write it on paper or metal and keep it in several safe and secret places.
Start Small: Make your first transaction with a very small amount (a few dollars) to familiarize yourself with the process without stress.
Understand Gas Fees: Learn what transaction fees are and how they work to avoid unpleasant surprises.

Path 2: The Way of Pragmatism (Centralization)

This path is for those who find managing private keys too intimidating or simply want to pay the least possible fees. You agree to trust a centralized platform (CEX - Centralized Exchange) to buy, sell, and store your cryptos.

The Tool: Exchange Platforms (CEX)

Platforms like Binance, Kraken, or Coinbase are the most common gateways. They are easier to use and offer very low transaction fees.

How to Use a CEX More Ethically?

Trusting a third party comes with risks (bankruptcies such as FTX, hacks, etc.). Here’s how to minimize them:

Choose regulated and transparent platforms: Favor CEXs registered with your country’s regulators and that publish audited Proof of Reserves.
Activate all security measures: Use strong two-factor authentication (2FA) (like a YubiKey or Google Authenticator, not SMS) and enable withdrawal address whitelisting.
Do not store long-term: The golden rule is not to use a CEX as a savings account. For amounts you want to keep long-term, consider transferring them to a non-custodial wallet (such as Sahal Wallet) once you feel more comfortable.
Be aware of counterparty risk: You do not own the cryptos on a CEX. You hold an IOU. In case of bankruptcy, you are a creditor and could lose everything.

Automate Your Path the Halal Way: DCA

Whichever way you choose, the most recommended investment strategy from an ethical standpoint is DCA (Dollar Cost Averaging). This involves investing a fixed amount at regular intervals (e.g., €50 each month), regardless of whether the market goes up or down.

Why is this an ethical approach?

Anti-speculation: You don’t try to "time the market" (predict highs and lows), which is a form of speculation (Gharar).
Discipline: It removes emotion from the equation and imposes long-term savings discipline.
Risk smoothing: It averages your entry price over the long term.

The Automation Tool: Coinformance

Tools like Coinformance allow you to automate your DCA strategy easily and securely.

For the Sovereign: You can connect Coinformance to your Sahal Wallet. The tool will execute purchase orders for you, and funds will arrive directly in your secured wallet.
For the Pragmatist: You can connect Coinformance to your Binance (or other compatible CEX) account. The tool will place purchase orders on the platform for you.

In both cases, you set up a passive, disciplined savings strategy, which is the healthiest way to approach this ecosystem.

Conclusion: Which Path Is Yours?

Characteristic	Path 1: Sovereign (Sahal Wallet)	Path 2: Pragmatist (CEX)
Control	Total (your keys, your cryptos)	Limited (trust in a third party)
Security	Maximum (if well managed)	Depends on platform (hack/bankruptcy risk)
Simplicity	Moderate (learning curve)	High (similar to online banking)
Fees	Moderate to high (on-chain)	Very low (off-chain)
Ethical Alignment	Very high (self-sovereignty)	Moderate (compromise for simplicity)

There is no right or wrong answer. What matters is making an informed choice aligned with your values and risk tolerance.

The current crash is a harsh reminder of the risks. But it is also an invitation to humility and education. Before asking yourself "how much" to invest, ask yourself "why" and "how."

The journey into crypto is a marathon, not a sprint. Take the time to learn, understand both paths, and choose the one that suits you.

References

Reuters - "Bitcoin on thin ice after sinking in flight from risk" (Nov 21, 2025)
CBS News - "Bitcoin has shed almost $800 billion since its October peak" (Nov 21, 2025)
CoinDesk - "Crypto Bulls See $1.7B Liquidations as Bitcoin Swiftly Nears $80K" (Nov 21, 2025)
Sahal Wallet - https://mrhb.network/sahal-wallet