Virtual Money Rankings: Promising Crypto Types and Real Investment Strategies in My Eyes

In this era of extreme market fluctuations, besides gold as a traditional safe-haven asset, I have noticed that more and more people are beginning to incorporate virtual money into their investment portfolios. To be honest, the liquidity and anonymity of these digital assets are indeed much more convenient, but among the vast ocean of coins, which one should be invested in to avoid losing everything?

After my personal in-depth research, I decided to share the top ten virtual money by market capitalization with everyone and recommend a few coins that I believe have potential. These coins are not based on mere speculation, but are survivors that have withstood rounds of bull and bear cycles.

How to Choose Worthwhile Virtual Money to Invest in?

There is an old saying in the coin circle: "Buy altcoins in a bull market, buy mainstream coins in a bear market." It sounds simple, but the logic behind it is actually quite brutal.

Buying altcoins during a bull market is to make more profit—these small coins are easy to pump, and their price increases are astonishing; buying mainstream coins during a bear market is to survive—because mainstream coins are unlikely to go to zero, but altcoins? Heh, there are plenty of examples of them evaporating overnight.

So my first consideration when choosing a coin is the "market conditions", followed by the coin's own popularity, trading volume, fluctuation, and other characteristics.

Top Ten Virtual Money by Market Capitalization

These top coins are not only because of their quality but also because they usually lead the direction of the entire market. As of August 2025, these coins are:

1. Bitcoin ( BTC ) - Market cap of 2.19 trillion USD, accounting for 58.52%
2. Ether (ETH) - Market cap of 532.8 billion USD, accounting for 14.29%
3. Tether ( USDT ) - Market cap of 158 billion USD, accounting for 4.63%
4. Ripple (XRP) - Market Cap 143 billion USD, accounting for 4.23%
5. USDC - Market value of 62 billion USD, accounting for 1.82%
6. TRON Coin ( TRX ) - Market cap of 27 billion USD, accounting for 0.8%
7. Dogecoin ( DOGE ) - Market Cap 27 billion USD, accounting for 0.8%
8. ADA ( - Market Cap 22 billion USD, accounting for 0.65%

I must remind you that this ranking is not fixed! Many altcoins such as Filecoin, Luna, and Polkadot that were previously in the Top 10 have been kicked out of the top ten. So don't put all your eggs in one basket; this is a lesson learned from my blood and tears.

The Coins Worth Investing in My Mind

Here are a few coins that I have personally selected for you to pay attention to:

) Bitcoin ### BTC ( As the king of cryptocurrencies, it not only has the longest history but also saw its price rise sharply after receiving SEC approval for an ETF listing in 2024. The most crucial point is that its total supply is only 21 million coins, and it undergoes a halving every four years; this scarcity is where its greatest value lies. Personally, I believe BTC is digital gold. Although it sounds cliché, it truly is.

) Ethereum ### ETH ( Although its market value is not as high as Bitcoin's, its damn practicality is hard to ignore. Ethereum's smart contract functionality has attracted countless developers, with a total value locked (TVL) of 93.1 billion dollars, ranking first among public chains. Moreover, it is also the second virtual money to launch a spot ETF after Bitcoin, which is certainly not a coincidence.

) TAO coin ### TAO ( This is a treasure I recently discovered. As AI technology develops, how to combine AI with blockchain has become the focus, and TAO coin is the product of this wave. The Bittensor network behind it is establishing a peer-to-peer machine learning market, and TAO coin mimics Bitcoin's design, with a total supply of 21 million coins. I believe it has great potential, but of course, the risks are not small.

) Ripple coin ### XRP ( To be honest, I wasn't very optimistic about it, especially when it was entangled in lawsuits with the SEC. However, Ripple's network of relationships with many financial institutions around the world is truly impressive. Additionally, its ability to handle 500-700 transactions per second, far surpassing Bitcoin's 7 transactions, offers an irresistible appeal to institutions.

) Solana ### SOL ( Known as the "Ethereum Killer," SOL's performance is indeed impressive. Theoretically, it can process 65,000 transactions per second, and in practice, it achieves 3,000-4,000 TPS, far exceeding Ethereum's 15-30 TPS. Even more enticing is the fact that each transaction costs only about $0.00025, who wouldn't be tempted by such value for money?

Personal Insights on Investment Strategies

My years of experience in the coin circle have led me to summarize a few insights:

) Should beginners really go for long-term investments? Don't be fooled by the enticing high return rates of short-term trading. I have seen too many newcomers lose everything due to a lack of systematic strategies and psychological resilience. Long-term investing has much lower requirements for beginners; they only need to understand basic operations and have a grasp of market capitalization.

Long-term investment actually yields higher returns.

In theory, short-term trading may yield higher returns, but the reality is that no one can predict market trends with 100% accuracy. I remember buying 3 BTC when it was at 5000 USD in 2018, and selling when it went up to 7000, only to see it shoot straight up to 12000! Short-term trading makes it too easy to fall into the tragedy of buying high and selling low.

Asset security should not be ignored.

I must emphasize this! When you endure the bear market and finally reach the bull market, only to find that your assets have been stolen, that feeling is truly unbearable. Whether it's your exchange account or wallet, you must pay extra attention to security, especially your private keys and mnemonic phrases, as they are your lifeline!

Don't be fooled by low-priced coins.

I have seen too many beginners buy a bunch of altcoins with many zeros after the decimal point, fantasizing that "if it just rises to one dime, I will get rich." But the reality is that these altcoins are either already at zero or on the way to zero. Worse still, many people exchange BTC or ETH for these junk coins, ultimately ending up with nothing.

In summary, among the top ten virtual money by market capitalization, stablecoins are only suitable for value storage, while non-stablecoins like BTC, ETH, and SOL are more suitable for short- and long-term investments. Your choice should be based on your own risk preference and investment goals—conservative investors can focus on BTC and ETH, while growth-oriented investors may consider more mainstream coins.

But in any case, avoiding common mistakes can reduce the tuition fees paid - this is the blood and tears lesson I learned after years of struggling in the coin circle.