Top Crypto Apps for Saving and Investing in 2025

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Introduction

In 2025, cryptocurrency isn’t just for traders—it’s becoming part of everyday savings and investing strategies for Americans. From Bitcoin and Ethereum to stablecoins and DeFi, more people are looking for secure, user-friendly apps that help them grow their crypto wealth.

But with hundreds of apps on the market, which ones are safe, reliable, and worth your time? This blog reviews the top crypto apps for saving and investing in 2025, highlighting their features, pros, and best use cases for U.S. users.

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Why Crypto Apps Are Essential in 2025

• Ease of use: Invest or save with just a smartphone.

• Diverse features: Buy, stake, earn interest, and track taxes all in one place.

• Security: Trusted apps now offer insurance and regulatory compliance.

• Integration: Many apps connect with banks, making it easy to move funds.

💡 Stat: By 2025, over 50 million Americans use crypto apps regularly for savings and investments.

1. Coinbase – Best All-Around Crypto App

Coinbase remains the go-to app for many U.S. investors in 2025.

Features:

• Buy, sell, and hold 200+ cryptocurrencies.

• Earn rewards by learning about crypto.

• Staking available for Ethereum, Solana, and more.

• FDIC-insured cash balances.

Pros:

✅ Beginner-friendly
✅ Strong security record
✅ Easy fiat (USD) deposits and withdrawals

Cons:

❌ Higher fees than some competitors
❌ Limited advanced trading features

💡 Best for: Beginners who want a safe, simple app to start crypto saving.

2. Gemini – Best for Security and Compliance

Gemini is a U.S.-based exchange with one of the best reputations for security.

Features:

• FDIC-insured cash deposits.

• Gemini Earn lets you earn interest on crypto holdings.

• Strong regulatory compliance.

• Gemini Credit Card with crypto rewards.

Pros:

✅ High security standards
✅ Great for U.S. compliance
✅ Offers a beginner and pro interface

Cons:

❌ Interest rates dropped compared to earlier years
❌ Fees slightly higher than Binance.US

💡 Best for: Americans who prioritize security and regulatory trust.

3. Binance.US – Best for Low Fees

The U.S. arm of Binance continues to attract users thanks to its low fees.

Features:

• 100+ cryptocurrencies available.

• Staking options with solid rewards.

• Very low trading fees compared to Coinbase.

Pros:

✅ Lowest fees in the industry
✅ Good staking options
✅ High liquidity

Cons:

❌ Fewer features than global Binance
❌ Some regulatory challenges in past years

💡 Best for: Active U.S. investors who want low-cost crypto savings and trading.

4. Kraken – Best for Staking

Kraken is one of the oldest and most trusted crypto exchanges.

Features:

• Wide selection of staking coins.

• Strong reputation for transparency.

• Low trading fees.

Pros:

✅ Excellent staking rewards
✅ Secure and reliable
✅ Great for serious investors

Cons:

❌ App interface less beginner-friendly than Coinbase
❌ Limited selection compared to Binance

💡 Best for: Americans who want to maximize staking income.

5. Cash App – Best for Bitcoin Investors

Cash App, popular among young Americans, makes Bitcoin investing super easy.

Features:

• Buy, sell, and send Bitcoin instantly.

• Round-up investing options.

• Integrated with banking features.

Pros:

✅ Very beginner-friendly
✅ Instant Bitcoin transfers
✅ Great mobile design

Cons:

❌ Only supports Bitcoin (no Ethereum or altcoins)
❌ Fees higher than Coinbase Pro or Binance.US

💡 Best for: Beginners who only want to save in Bitcoin.

6. Nexo – Best for Crypto Savings Accounts

Nexo offers one of the best crypto interest accounts for Americans.

Features:

• Earn interest on Bitcoin, Ethereum, and stablecoins.

• Borrow against your crypto at low rates.

• Daily payouts.

Pros:

✅ High interest rates (especially on stablecoins)
✅ U.S.-compliant savings features
✅ Credit card linked to crypto

Cons:

❌ Not available in every U.S. state
❌ Limited coin selection

💡 Best for: Americans looking for crypto savings with passive income.

7. BlockFi (Rebuilt for 2025) – Best for Stablecoin Savings

After bankruptcy issues in earlier years, BlockFi relaunched with stronger U.S. regulation.

Features:

• Interest accounts for stablecoins (USDC, USDT).

• Credit card rewards in Bitcoin.

• Secure partnerships with U.S. banks.

Pros:

✅ Great stablecoin savings rates
✅ Strong U.S. compliance in 2025
✅ Easy to use

Cons:

❌ Reputation hurt by past collapse
❌ Limited crypto options

💡 Best for: Conservative savers who prefer stablecoins over volatile crypto.

8. Crypto.com – Best for All-in-One Features

Crypto.com is a global app that’s also popular in the U.S.

Features:

• Buy, sell, and stake 250+ coins.

• Crypto debit card with cashback rewards.

• NFT marketplace.

Pros:

✅ Wide range of coins
✅ Good card perks
✅ Easy to diversify investments

Cons:

❌ Customer support can be slow
❌ Complex fee structure

💡 Best for: Young Americans who want an all-in-one crypto lifestyle app.

9. Ledger Live – Best for Hardware Wallet Savings

Ledger Live connects with Ledger hardware wallets for maximum security.

Features:

• Manage 5,000+ cryptocurrencies.

• Secure offline storage.

• Staking directly from the wallet.

Pros:

✅ Best security option
✅ Full control of assets
✅ Supports DeFi and staking

Cons:

❌ Requires buying hardware wallet ($79–$149)
❌ Less convenient for everyday use

💡 Best for: Americans saving crypto long-term and prioritizing maximum security.

10. iTrustCapital – Best for Crypto Retirement Accounts

iTrustCapital lets Americans add crypto to their retirement savings.

Features:

• Crypto IRAs (Bitcoin, Ethereum, etc.).

• Tax advantages (no capital gains inside IRA).

• 24/7 trading.

Pros:

✅ Great for retirement savings
✅ Tax-friendly
✅ Simple interface

Cons:

❌ Only for retirement accounts (not daily trading)
❌ Fees slightly higher than basic exchanges

💡 Best for: Americans who want crypto exposure inside tax-advantaged retirement accounts.

Tips for Using Crypto Apps Safely

✅ Always enable two-factor authentication (2FA).
✅ Use hardware wallets for large savings.
✅ Stick to U.S.-regulated apps when possible.
✅ Diversify—don’t keep all assets in one app.

Final Thoughts

Crypto apps in 2025 make saving and investing easier than ever. Whether you’re a beginner or an advanced investor, there’s an app designed for your needs.

✨ Best Apps by Category:

• Beginners: Coinbase, Cash App

• Security: Gemini, Ledger Live

• Low fees: Binance.US, Kraken

• Savings & income: Nexo, BlockFi

• All-in-one lifestyle: Crypto.com

• Retirement focus: iTrustCapital

Bottom Line: Choose apps that match your financial goals—whether that’s long-term HODLing, earning passive income, or preparing for retirement.