Ukrainians Changed Their Approach to Investments in 2026, with Focus on Crypto Assets — Study

Published: October 15, 2026 – 11:53 UTC

Crypto assets are considered a potential investment instrument by 44% of Ukrainians who have savings.
By this metric, digital assets are ahead of investing in one’s own business and are on par with residential real estate.
At the same time, 59% of respondents believe that working with cryptocurrencies requires specialized knowledge.

Crypto assets remain one of the popular investment avenues among Ukrainians: 44% of respondents who have savings and investments consider them a potential tool for growing capital. This is evidenced by the results of a study on Ukrainians’ financial behavior conducted by the international research company Ipsos, commissioned by the crypto exchange WhiteBIT in June–July 2026, which they shared with Incrypted.

According to the survey, cryptocurrencies are more popular than investing in one’s own business (32%), government securities (27%), commercial real estate and land (27%), securities of private companies (22%), and venture capital (11%). At the same time, residential real estate as an investment avenue is considered on par with crypto assets.

The study involved 650 respondents aged 18 to 65 from cities with populations over 100,000, excluding temporarily occupied territories and areas of active hostilities.

How Ukrainians Allocate Their Savings

Despite interest in alternative instruments, cash and banking products remain the foundation of Ukrainians’ financial strategy. Among respondents who have savings, 78% consider holding cash in hryvnia, 69% — cash in foreign currency, 67% — hryvnia bank accounts, and 59% — deposits. Another 53% choose accounts in foreign currency.

At the same time, 66% of respondents have a source of income and savings or investments — the same as in 2025. The share of those who set aside at least 3,000 UAH per month increased from 30% to 35%.

The income structure has also changed. The share of respondents who receive a salary decreased from 79% to 73%, while the share of passive investment income rose from 37% to 41%. Income from commercial activity and one’s own business also became more common: 32% versus 27% a year earlier.

It is worth noting that in last year’s Ipsos and WhiteBIT study, 25% of Ukrainians said they had already invested in cryptocurrencies, while another 23% planned to start in the near future. At the same time, 60% of respondents believed that working with digital assets requires specialized knowledge.

At the same time, spending on basic needs is rising. In 2026, food and household goods are the main spending category for 78% of respondents, compared with 70% in 2025.

WhiteBIT notes that Ukrainians are increasingly choosing financial instruments based on specific goals.

“Notably, 44% now consider crypto assets for investing — more than their own business and on par with residential real estate. This indicates that digital assets have already become a visible part of Ukraine’s investment landscape, although traditional instruments continue to play a leading role,” the company said.

How attitudes toward cryptocurrencies are changing

According to the study, in 2026, 32% of respondents are aware of cryptocurrency, compared with 28% a year earlier. The share of those who do not rule out using it increased from 17% to 19%.

Among respondents who already have savings and investments, 44% consider crypto assets a potential instrument, and 14% are using them now.

Ukrainians also associate digital assets with various financial opportunities. In particular, 64% of respondents associate cryptocurrency with passive income, 54% with diversifying savings and investments, 52% with an innovative and promising instrument, and 48% with the ability to invest with a small starting capital. At the same time, 41% of respondents still associate crypto assets with the opportunity to quickly earn significant capital.

One of the barriers to more active use of digital assets remains a lack of knowledge: 59% of respondents believe that working with cryptocurrency requires specialized training.

WhiteBIT emphasizes that this is why it focuses on educational initiatives that help people better understand the opportunities and risks of digital assets.

Overall, the study results indicate that Ukrainians combine traditional ways of preserving funds with an interest in alternative instruments. In this structure, cryptocurrencies are viewed primarily as an opportunity for investment and potential capital growth, rather than merely as a trading tool.

As a reminder, in 2026, Ukraine ranked seventh in Chainalysis’ Global Crypto Adoption Index, moving up one position compared with the previous year.

Сообщение Ukrainians Changed Their Approach to Investments in 2026, with Focus on Crypto Assets — Study появились сначала на INCRYPTED.

Source: Incrypted