Best Cryptoassets Guide
Cryptoassets
Cryptoassets digital assets associated with cryptocurrency. Cryptocurrencies as both are cryptographic assets and also digital assets.
Technical Characteristics of Cryptoassets
All the cryptoassets use blockchain technology that is based on cryptography for the purpose of encrypting the digital asset.
Blockchain platforms power cryptoassets based on open-source code.
Cryptoassets and Possibilities
Many may not know that cryptoassets can have many different uses including payment methods and trading platforms.
It is said that bigger revolutions with cryptoassets are to come, but this won’t happen until the use of cryptoassets are more commonly accepted all over the world in general everyday transactions.
Cryptoassets Uses
Cryptoassets have some unique traits, like being able access to financial resources internationally or having anonymity with crypto financial assets.
With accounting processes, an invoice is cancelled only after a credit note is issued by the issuer, this cannot be done with cryptoassets.
Cryptoassets provide immutability by essence in such cases. Once a crypto asset exchanges hands the exchange cannot be undone.
Understand that a crypto assets value is its key to its sustainability and the cryptocurrency environment is volatile. This is the reason some more stable crypto currency coins have come into existence.
Some cryptocurrency coins have a limited supply like gold, Bitcoin for example.
Technical Grounds of Cryptoassets
Most cryptoassets are based on the same technical characteristics and use blockchain technology to make the transactions public without revealing the identity of either the payer or the payee.
One of the best examples is Ethereum that just reveals a non descript identifier of the payer and payee.
Cryptoassets and Risks
Substantial risks have been noticed with some cryptoassets for the consumers, like fraudulent activity or experiencing large losses as the cryptomarkets dip.
Cryptoassets in futures and CFDs carry high risk as its market is volatile, product fees may also impact consumers.
Cryptoassets are not always within the control of regulatory agencies.
Cryptoasset UK Taskforce
In 2018 the United Kingdom announced the cryptoasset taskforce with the objective to bring the Financial Conduct Authority, Bank of England and Her Majesty's Treasury together to find the potential impact of digital currency.
The taskforce looks into cryptocurrency risk and illicit activity.
Cryptoassets Verdict
Cryptoassets are sometimes treated as a boom to companies that looks for innovative propositions.
However, traders who are interested in cryptoassets are advised to have an in-depth knowledge of cryptocurrency and research the market on a regular basis to avoid sudden losses.
We've collected thousands of datapoints and written a guide to help you find the best Cryptoassets for you. We hope this guide helps you find a reputable broker that matches what you need. We list the what we think are the best cryptoassets below. You can go straight to the broker list here.
Reputable Cryptoassets Checklist
There are a number of important factors to consider when picking an online Cryptoassets trading brokerage.
- Check your Cryptoassets broker has a history of at least 2 years.
- Check your Cryptoassets broker has a reasonable sized customer support of at least 15.
- Does the Cryptoassets broker fall under regulation from a jurisdiction that can hold a broker responsible for its misgivings; or at best play an arbitration role in case of bigger disputes.
- Check your Cryptoassets broker has the ability to get deposits and withdrawals processed within 2 to 3 days. This is important when withdrawing funds.
- Does your Cryptoassets broker have an international presence in multiple countries. This includes local seminar presentations and training.
- Make sure your Cryptoassets can hire people from various locations in the world who can better communicate in your local language.
Our team have listed brokers that match your criteria for you below. All brokerage data has been summarised into a comparison table. Scroll down.
Our brokerage comparison table below allows you to compare the below features for brokers offering Cryptoassets.
We compare these features to make it easier for you to make a more informed choice.
- Minimum deposit to open an account.
- Available funding methods for the below Cryptoassets.
- What you are able to trade with each brokerage.
- Trading Platforms offered by these brokers.
- Spread type (if applicable) for each brokerage.
- Customer support levels offered.
- We show if each brokerage offers Micro, Standard, VIP and Islamic accounts.
Top 15 Cryptoassets of 2020 compared
Here are the top Cryptoassets.
Compare Cryptoassets min deposits, regulation, headquarters, benefits, funding methods and fees side by side.
All brokers below are cryptoassets. Learn more about what they offer below.
You can scroll left and right on the comparison table below to see more cryptoassets that accept cryptoassets clients
| Broker |
eToro
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XTB
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City Index
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Plus500
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EasyMarkets
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AvaTrade
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Markets.com
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SpreadEx
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Admiral
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FXPro
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Trade.com
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| Rating | |||||||||||
| Regulation | Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego | Financial Conduct Authority (FCA), Australian Securities and Investment Commission (ASIC), Monetary Authority of Singapore (MAS) | Plus500UK Ltd authorized & regulated by the FCA (#509909), Plus500CY Ltd authorized & regulated by CySEC (#250/14), Plus500AU Pty Ltd (ACN 153301681), ASIC in Australia AFSL #417727, FMA in New Zealand, FSP #486026 and Authorised Financial Services Provider in South Africa FSP #47546 | Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investment Commission (ASIC) | Central Bank of Ireland, Australian Securities and Investment Commission (ASIC), Financial Services Authority (FSA), Financial Stability Board (FSB), British Virgin Islands Financial Services Commission (BVI) | Cyprus Securities and Exchange Commission (CySEC), Financial Sector Conduct Authority (FSCA), Financial Conduct Authority (FCA), Australian Securities and Investment Commission (ASIC) | Financial Conduct Authority (FCA) | Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), Financial Sector Conduct Authority (FSCA), Securities Commission of The Bahamas (SCB), Dubai Financial Services Authority (DFSA) | Cyprus Securities and Exchange Commission (CySEC) |
| Min Deposit | 200 | No minimum deposit | 25 | 100 | 100 | 250 | 250 | 1 | 200 | 100 | 1 |
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| Used By | 12,000,000+ | 200,000+ | 14,000+ | 15,500+ | 142,500+ | 200,000+ | 10,000+ | 10,000+ | 10,000+ | 10,000+ | 10,000+ |
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| Platforms | Web Trader, Tablet & Mobile apps | MT4, Mirror Trader, Web Trader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps | Web Trader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps | MT4, Mac, Mirror Trader, ZuluTrade, Web Trader, Tablet & Mobile apps | MT4, MT5, Web Trader, Tablet & Mobile apps | Web Trader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, Tablet & Mobile apps | MT4, MT5, cTrader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps |
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| Learn More |
Sign
Up with etoro |
Sign
Up with xtb |
Sign
Up with cityindex |
Sign
Up with plus500 |
Sign
Up with easymarkets |
Sign
Up with avatrade |
Sign
Up with marketscom |
Sign
Up with spreadex |
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Up with admiralmarkets |
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Up with fxpro |
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Up with tradecom |
| Risk Warning | 75% of retail investor accounts lose money when trading CFDs with this provider. | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | 74% of retail investor accounts lose money when trading CFDs with this provider | 76.4% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. | Your capital is at risk | 79% of retail investor accounts lose money when trading CFDs with this provider | 84% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. | Losses can exceed deposits | Losses can exceed deposits | Your capital is at risk | Your capital is at risk |
| Demo |
eToro Demo |
XTB Demo |
City Index Demo |
Plus500 Demo |
easyMarkets Demo |
AvaTrade Demo |
Markets.com Demo |
SpreadEx Demo |
Admiral Markets Demo |
FXPro Demo |
Trade.com Demo |
| Excluded Countries | IR, KP, BE, CA, JP, SY, TR, IL, BY, AL, MD, MK, RS, GN, CD, SD, ZW, ET, GH, TZ, LY, UG, ZM, BW, RW, TN, SO, NA, TG, SL, LR, GM, DJ, CI, PK, BN, TW, WS, NP, SG, VI, TM, TJ, UZ, LK, TT, HT, MM, BT, MH, MV, KZ, GD, FJ, BB, BM, BS, AG, AI, AW, LB, SV, US, PY, HN, GT, PR, NI, VG, AN, | US, IN, PK, BD, NG , ID, BE | US, CF, TD, CG, CG, CI, CU, GN, ER, GN, FR, GW, HT, IR, IQ, KR, LB, LR, LY, MM, NZ, NG, SL, SO, SD, SY, TM, UZ, VE, EH, YE, ZW | BE, US, CA, CN, ID, PH, TG, NG, DO, MA, ZW, PR, TZ, TN, UG, BW, AO, AE | US | BE, BR, KP, NZ, TR, US, CA, SG | RU, BR, CH, ZA, SG, JP, US, CA, BE, IL, TR, NZ, MY, SY, TH, ID, IR, IQ, HK, PH, PR | US, TR | US, CA, JP, SG, MY, JM, IR, TR | US, IR, CA | AU, BE, CA, CN, Crimea region, CY, CU, of CG, ER, HK, GW, IQ, IR, JP, IL, LY, NZ, CY, KR, PR, SG, SO, SD, SYn Arab, TR, US, VI, US |
All Cryptoassets in more detail
You can compare Cryptoassets ratings, min deposits what the the broker offers, funding methods, platforms, spread types, customer support options, regulation and account types side by side.
We also have an indepth Top Cryptoassets for 2020 article further below. You can see it now by clicking here
We have listed top Cryptoassets below.
Cryptoassets Table of Contents
- Cryptoassets Explained
- 6 Factors to Consider when Choosing Cryptoassets
- Are Your Cryptoassets Trusted And Established?
- Are The Cryptoassets World Leading?
- What are the Cryptoassets Commissions and Fees?
- What are the Cryptoassets Funding and Withdrawl Methods?
- Find Cryptoassets with Round-the-clock support?
- Make sure the Cryptoassets Offer Comprehensive Trader resources?
- Why do Cryptoassets need to be regulated?
- Cryptoassets FAQ
- What are the best Cryptoassets brokers?
- What is the best Cryptoasset broker?
- Related Cryptoassets Reviews
- Related Cryptoassets Alternatives
- Related Cryptoassets Comparisons
Cryptoassets Explained
Trading the financial markets with Cryptoassets when conditions are volatile can be difficult, even for experienced traders.
Apart from the educational and other resources made available online, another important factor for traders to consider when looking for Cryptoassets is the platform that a Cryptoassets offer.
Choose Cryptoassets that's at the forefront of innovation and generally considered an industry-leader.
To gain access to the financial markets, you'll need Cryptoassets that you can rely on.
6 Factors to Consider when Choosing Cryptoassets
Follow these five rules for selecting a broker that's right for you:
Are Your Cryptoassets Trusted And Established?
Look for a broker that has a good track record/longevity in the market so that your strategy is your primary concern for navigating the markets. The top rated Cryptoassets broker is eToro. Established in 2006, and in operation for 12 years eToro have a head office in Cyprus, UK.
eToro is regulated. This means eToro are supervised by and is checked for conduct by Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) regulatory bodies.
Another top rated broker is XTB.
XTB was established 2002, and in operation for 16 years XTB have a head office in Poland.
XTB is regulated. This means XTB are supervised by and is checked for conduct by Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) regulatory bodies.
| Broker |
eToro
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XTB
|
City Index
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Plus500
|
EasyMarkets
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AvaTrade
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| Year Established | 2006 | 2002 | 1983 | 2008 | 2001 | 2006 |
| Head Office | Cyprus, UK | Poland | UK | Israel | Cyprus, Australia | The British Virgin Islands |
| Regulation | Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC) | Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego | Financial Conduct Authority (FCA), Australian Securities and Investment Commission (ASIC), Monetary Authority of Singapore (MAS) | Plus500UK Ltd authorized & regulated by the FCA (#509909), Plus500CY Ltd authorized & regulated by CySEC (#250/14), Plus500AU Pty Ltd (ACN 153301681), ASIC in Australia AFSL #417727, FMA in New Zealand, FSP #486026 and Authorised Financial Services Provider in South Africa FSP #47546 | Cyprus Securities and Exchange Commission (CySEC), Australian Securities and Investment Commission (ASIC) | Central Bank of Ireland, Australian Securities and Investment Commission (ASIC), Financial Services Authority (FSA), Financial Stability Board (FSB), British Virgin Islands Financial Services Commission (BVI) |
| Used By | 12,000,000+ | 200,000+ | 14,000+ | 15,500+ | 142,500+ | 200,000+ |
| Negative balance protection | Yes | Yes | Yes | Yes | Yes | No |
| Guaranteed Stop Loss | No | No | Yes | No | Yes | No |
| Learn More | Visit eToro | Visit XTB | Visit City Index | Visit Plus500 | Visit easyMarkets | Visit AvaTrade |
| Risk Warning | 75% of retail investor accounts lose money when trading CFDs with this provider. | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | 74% of retail investor accounts lose money when trading CFDs with this provider | 76.4% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. | Your capital is at risk | 79% of retail investor accounts lose money when trading CFDs with this provider |
Are The Cryptoassets World Leading?
Choose a broker that's at the forefront of innovation and generally considered an industry-leader. eToro Segregates clients funds and offers over 100 instruments. eToro offers both an online trading platform as well as a mobile platform giving clients easy access to markets.
In addition, eToro supports many popular third-party trading platforms enabling access to a variety of markets worldwide that can be traded with the assistance of expert advisors or a customizable automatic trading strategy. eToro is a world-leader when it comes to innovation and they are always looking at ways to improve and to maintain their competitive advantage.
Another good choice when looking for Cryptoassets is XTB . XTB Segregates clients funds and offers over 1,500 instruments.
| Broker |
eToro
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XTB
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City Index
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Plus500
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EasyMarkets
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AvaTrade
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| Instruments Available | 100 | 1,500 | 12,500 | 2,500 | 200 | 250 |
| Platforms | Web Trader, Tablet & Mobile apps | MT4, Mirror Trader, Web Trader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps | Web Trader, Tablet & Mobile apps | MT4, Web Trader, Tablet & Mobile apps | MT4, Mac, Mirror Trader, ZuluTrade, Web Trader, Tablet & Mobile apps |
| Excluded Countries | IR, KP, BE, CA, JP, SY, TR, IL, BY, AL, MD, MK, RS, GN, CD, SD, ZW, ET, GH, TZ, LY, UG, ZM, BW, RW, TN, SO, NA, TG, SL, LR, GM, DJ, CI, PK, BN, TW, WS, NP, SG, VI, TM, TJ, UZ, LK, TT, HT, MM, BT, MH, MV, KZ, GD, FJ, BB, BM, BS, AG, AI, AW, LB, SV, US, PY, HN, GT, PR, NI, VG, AN, | US, AU, CA, JP, KR, KP, SG, MU, IL, TR, IN, PK, BA, ET, UG, CU, SY, BD, NG, ID, BE, LY, MO, KE, YE, VU, GY, CD, CG, AF, LA, MZ, IQ, IR | US, CF, TD, CG, CG, CI, CU, GN, ER, GN, FR, GW, HT, IR, IQ, KR, LB, LR, LY, MM, NZ, NG, SL, SO, SD, SY, TM, UZ, VE, EH, YE, ZW | BE, US, CA, CN, ID, PH, TG, NG, DO, MA, ZW, PR, TZ, TN, UG, BW, AO, AE | US | BE, BR, KP, NZ, TR, US, CA, SG |
| Forex pairs offered | 50 | 50 | 100 | 100 | 150 | 80 |
| Forex pairs offered | 50 | 50 | 100 | 100 | 150 | 80 |
| Major forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Minor forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Exotic forex pairs | Yes | Yes | Yes | Yes | Yes | Yes |
| Cryptocurrencies | Yes | Yes | Yes | Yes | Yes | Yes |
| Commodities Offered | 0 | 21 | 26 | 17 | 12 | 16 |
| Metals | Yes | Yes | Yes | Yes | Yes | Yes |
| Energies | Yes | Yes | Yes | Yes | Yes | Yes |
| Agricultural | Yes | Yes | Yes | Yes | Yes | Yes |
| Stocks Offered | 957 | 1696 | 4500 | 1816 | 52 | 99 |
| UK Shares | Yes | Yes | Yes | Yes | Yes | Yes |
| US Shares | Yes | Yes | Yes | Yes | Yes | Yes |
| German Shares | Yes | Yes | Yes | Yes | Yes | Yes |
| Japanese Shares | Yes | Yes | Yes | Yes | Yes | Yes |
What are the Cryptoassets Commissions and Fees?
Ensure that your broker is transparent with fees and those dues are competitive.
The best rated Cryptoassets broker eToro offers competitive offers for Stocks, Commodities, Forex, CFDs, Social Trading, Indices, Cryptocurrency. eToro minimum deposit is 200.
Another top rated Cryptoassets broker XTB offers Forex, CFDs, Cryptocurrency. XTB minimum deposit is 0.
| Broker |
eToro
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XTB
|
City Index
|
Plus500
|
EasyMarkets
|
AvaTrade
|
| Min Deposit | 200 | 0 | 25 | 100 | 100 | 250 |
| Withdrawl Fees | Yes | varies | Varies | No | No | No |
| Inactivity Fees | Yes | No | Yes | Yes | No | No |
| Deposit Fees | No | No | Varies | No | No | No |
| CFD Commission Fees | No | Yes | 0.0015 | No | No | No |
What are the Cryptoassets Funding and Withdrawal Methods?
When dealing with Cryptoassets having convenient funding and withdrawl facilities makes the trading process and your trading experience smoother.
| Broker |
eToro
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XTB
|
City Index
|
Plus500
|
EasyMarkets
|
AvaTrade
|
| Bank transfer | Yes | Yes | Yes | Yes | Yes | Yes |
| Credit Cards | Yes | Yes | Yes | Yes | Yes | Yes |
| Paypal | Yes | Yes | Yes | Yes | No | Yes |
| Skrill | Yes | Yes | No | Yes | Yes | No |
| Payoneer | No | Yes | Yes | No | No | Yes |
| Neteller | Yes | Yes | No | No | Yes | Yes |
Find Cryptoassets with Round-the-clock support?
Customer service is very important when dealing with Cryptoassets.
When investing and dealing with brokers customer support can be a range of customer services to assist customers in making cost effective and correct use the brokers services. It can include assistance in installation, training, troubleshooting, upgrading, and cancelation of a product or service.
Cryptoassets customer support can include Phone answering services, Live chat support and Email customer service support.
eToro support a wide range of languages including English, German, Spanish, French, and Italian
XTB support a wide range of languages including English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish
eToro and XTB offer support where clients are able to call or contact the helpdesk via email or a chat service.
| Broker |
eToro
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XTB
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City Index
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Plus500
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EasyMarkets
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AvaTrade
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| Support |
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| Languages | English, German, Spanish, French, and Italian | English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish | English, Spanish, German, Arabic, Polish, and Chinese | English, French, Italian, Spanish, Portuguese, German, Dutch, Polish, Arabic, Hebrew, Danish, Norwegian, Czech, Slovak, Bulgarian and Chinese | English, German, Arabic, Chinese, Spanish and Polish | English, Italian, German, French, Greek, and Hebrew |
| Learn More | Visit eToro | Visit XTB | Visit City Index | Visit Plus500 | Visit easyMarkets | Visit AvaTrade |
| Risk Warning | 75% of retail investor accounts lose money when trading CFDs with this provider. | 79% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | 74% of retail investor accounts lose money when trading CFDs with this provider | 76.4% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money. | Your capital is at risk | 79% of retail investor accounts lose money when trading CFDs with this provider |
Make sure the Cryptoassets Offer Comprehensive Trader resources?
Make sure your broker offers free resources like analysis, education and risk-management tools. With a wealth of knowledge from top analysts, eToro and XTB work together to bring the latest news and insights to traders.
For most traders, the first – and sometimes only – concern is pursuing their 'edge'. While that is surely important, along with sound money management habits, to navigating the markets; that step alone does not represent the full preparation. As each trader dives into this important venture, it is important not to forget the most rudimentary yet crucial steps such as selecting the best broker to access the markets.
Why do Cryptoassets need to be regulated?
A regulated Cryptoassets broker lowers your risk.
Broker regulation protects consumers. Too little broker regulation can lead to poor services and possibly financial harm.
Cryptoassets brokers are regulated to stop fraud. The agent's working capital and clients funded account have to be separated. This amounts to fraud if client money is used to conduct the business. Regulation is required to make sure this does not happen.
Cryptoassets List
Funding methods
Bank transfer Credit Card PaypalPlatforms
Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Mirror Trader, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Plus500 offer a 100% Free and Unlimited Demo account 0 Commissions Tight Spreads
Funding methods
Bank transfer Credit Card PaypalPlatforms
Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, Mac, Mirror Trader, ZuluTrade, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, Mac, Web Trader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account
Funding methods
Bank transfer Credit Card PaypalPlatforms
MT4, MT5, cTrader, Tablet & Mobile appsCustomer support
Live chat Phone support Email supportAccount Types
Micro account Standard account Islamic account VIP account