How to Invest in Crypto with $100 or less

So, you’ve been hearing about crypto everywhere—from your friends, social media, and even the news. The idea of making money with cryptocurrency sounds exciting, but there’s one problem: you don’t have thousands of dollars to invest. Good news—you don’t need to! In fact, you can start Invest in Crypto with $100 (or even less) and still see meaningful growth over time.

In this blog, we’ll break down exactly how to invest in crypto with a small budget, step by step, in a way that’s simple and easy to understand.

Invest in Crypto with $100

Table of Contents

Step 1: Set Realistic Expectations

First things first—let’s talk about expectations.Invest in Crypto with $100 won’t make you a millionaire overnight, but it can grow over time if you invest wisely. The key is to focus on long-term growth rather than quick profits.

Also, crypto is a highly volatile market. Prices go up and down frequently, so it’s important to be patient and think long-term.

Step 2: Choose a Safe and Easy-to-Use Crypto Exchange

To start investing, you’ll need to use a cryptocurrency exchange—this is a platform where you can buy, sell, and store your crypto.

Some beginner-friendly exchanges include:

  • Coinbase (Great for beginners)

  • Binance (Lower fees, more options)

  • Kraken (Good security and customer support)

  • eToro (Easy for social trading and learning)

Sign up on one of these platforms, complete the necessary verification steps, and deposit your $100.
*Read our blog “Best Crypto Apps for Beginners in 2025” to choose best platform.

 

Step 3: Select the Right Cryptocurrencies

Now that you have money in your exchange account, it’s time to choose what to invest in. Here are some solid options for beginners:

  • Bitcoin (BTC) – The most well-known and established cryptocurrency. A safer long-term investment.

  • Ethereum (ETH) – The second-largest crypto, used for smart contracts and decentralized applications.

  • Solana (SOL), Cardano (ADA), or Polygon (MATIC) – Promising projects with lower prices and strong growth potential.

  • Stablecoins (USDC, USDT, BUSD) – Good for stability and earning interest in crypto savings accounts.

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Diversification is Key

With only $100, you might not be able to buy full units of Bitcoin or Ethereum, but most exchanges allow you to buy fractional amounts. It’s always a good idea to spread your investment across 2-3 coins rather than putting all your money into just one.

 

Step 4: Choose Your Investment Strategy

Even with a small budget, you can still use smart investment strategies. Here are two beginner-friendly approaches:

1. Dollar-Cost Averaging (DCA)

Instead of investing your entire $100 at once, consider investing $10 per week over 10 weeks. This way, you buy crypto at different prices and reduce the impact of market volatility.

2. Buy and Hold (HODL)

If you believe in the long-term potential of your chosen cryptocurrencies, you can simply buy them and hold onto them for months or even years. Historically, holding Bitcoin and Ethereum for the long term has been profitable.

Step 5: Store Your Crypto Securely

Once you’ve bought your crypto, keeping it safe is crucial. You have two main storage options:

  • Keep it on the Exchange – Convenient, but slightly riskier if the exchange gets hacked.

  • Use a Crypto Wallet – Safer, as you control your private keys. Options include:

    • Hot wallets (Mobile or desktop apps like Trust Wallet or MetaMask)

    • Cold wallets (Hardware devices like Ledger or Trezor for extra security)

For small investments, leaving your funds on the exchange may be fine, but as your portfolio grows, consider a more secure wallet.

Step 6: Look for Ways to Grow Your Investment

With only $100, you may want to maximize your gains. Here are some ways to do that:

1. Earn Passive Income with Staking

Some cryptocurrencies allow you to stake your coins, meaning you lock them up to help secure the network and earn rewards. Popular staking options include Ethereum (ETH), Solana (SOL), and Cardano (ADA).

2. Use Crypto Savings Accounts

Some platforms, like Nexo, BlockFi, or Binance Earn, offer interest on stablecoins and certain cryptocurrencies. This can help grow your investment over time.

3. Participate in Airdrops and Rewards Programs

Crypto projects often give away free tokens through airdrops or offer cashback rewards on certain platforms. Keep an eye on opportunities to earn extra crypto for free!

Step 7: Keep Learning and Stay Updated

Crypto is always evolving, and staying informed can help you make better investment decisions. Follow these tips:

  • Read crypto news sites like CoinDesk, CoinTelegraph, or Decrypt.

  • Follow reputable crypto influencers and analysts on Twitter, YouTube, and Reddit.

  • Join crypto communities like Discord and Telegram groups to learn from others.

Common Mistakes to Avoid

  1. Investing more than you can afford to lose – Crypto is risky, so never invest money you need for essential expenses.

  2. Falling for scams – Avoid “get rich quick” schemes, fake giveaways, and unverified investment platforms.

  3. Panic selling – Prices fluctuate. If you believe in your investments, hold on through the ups and downs.

  4. Ignoring fees – Some exchanges charge high fees. Look for cost-effective options like Binance or KuCoin.

Final Thoughts: Small Investments Can Lead to Big Gains

Investing in crypto with just $100 may not make you rich overnight, but it’s a great way to start learning, experimenting, and growing your portfolio over time. The key is to be patient, invest wisely, and continue learning.

Remember, many successful crypto investors started small. What matters most is taking the first step and staying committed to your financial journey.

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