Singapore’s Retail Investors Favor Trust and Regulation Over Low Fees
By John Nada·Nov 20, 2025·3 min read
A recent survey reveals that Singapore's retail investors are increasingly prioritizing trust and regulation over low fees, marking a significant shift in the crypto landscape.
Shifting Landscape of Crypto Investment in Singapore
As the cryptocurrency market matures, so do the preferences of its investors. A recent survey highlights a distinct trend among Singapore’s retail investors, showcasing their increasing reliance on trust and regulatory assurance rather than simply seeking lower fees. This shift signals essential changes in the crypto landscape, as retail investors become more educated and discerning about their investment choices.
In this rapidly evolving environment, trust acts as the backbone of investor confidence. Regulated platforms offering transparency and security are now prioritized by retail investors over those with lower transaction fees but less oversight. This emerging preference reflects a growing awareness about potential risks and the importance of safeguarding one's investments.
The historical context of cryptocurrency trading in Singapore paints a vivid picture of this transformation. Just a few years ago, the focus for many was primarily on maximizing profit margins without considering the underlying security and stability of the platforms they used. As scandals and market volatility shook the industry, it became clear that trust in the platforms was pivotal to sustaining long-term investor engagement. Today, this sentiment is mirrored in the recent survey results, where the majority of respondents indicated that they would rather pay slightly higher fees to ensure their assets are protected and their investments are legitimate.
Examining the survey results in detail, it becomes evident that Singaporean investors are increasingly adopting a long-term holding strategy. This approach signifies a fundamental shift from the get-rich-quick mentality that often characterized early crypto market participants. Instead, many are now viewing cryptocurrency as a store of value akin to gold, emphasizing patience and stability over immediate gains. This long-term perspective is enhanced by the belief that well-regulated platforms can help navigate the inherently volatile nature of digital currencies, which can experience significant price swings over short periods.
Moreover, the survey indicates that Singaporean investors are taking cautious approaches to asset allocation. Instead of diving headfirst into new projects, they are more likely to diversify their portfolios with established cryptocurrencies like Bitcoin and Ethereum. This trend illustrates a growing sophistication among retail investors who now understand the importance of spreading risk across various assets, rather than putting all their eggs in one basket.
While the allure of lower fees remains enticing, the current sentiment suggests that a significant portion of the market has evolved past this basic consideration. Investors are beginning to recognize that while cost is an important factor, it pales in comparison to the complexities of security and the credibility of the trading platforms they choose. In a post-FTX world, where trust can no longer be taken for granted, the emphasis on regulated environments reflects a broader trend in global financial markets toward better oversight and consumer protection.
Ultimately, this evolution in investor behavior speaks volumes about the future of cryptocurrency in Singapore and beyond. The increasing demand for regulatory frameworks will likely push more exchanges and platforms to enhance their compliance measures, fostering a safer trading environment. As this demand grows, it may pave the way for new regulations that codify best practices and create industry standards, driving overall market maturity.
In conclusion, as the cryptocurrency landscape continues to mature, the shift towards a preference for trust and regulation among Singapore’s retail investors cannot be understated. This trend not only reflects the changing mindset of investors but also signals a potential transformation in how cryptocurrencies are accepted in mainstream finance. Trust is becoming the most valuable currency, and those platforms that prioritize it will likely thrive in this evolving digital economy.