Economic instability in Argentina made financial projection an exercise of savings protection, especially to the corrosive effect of inflation that added an additional dose of uncertainty to which markets already naturally provide. But investors face a complex dilemma: Continue betting on the dollar even though it was the worst bet for 2024 (+18% the MEP vs. 117% of the CPI) or perhaps expect the magical fixed deadlines to rise to their value despite all the indicators against?
Another scenario. The perspectives of one year convergence towards the decline of the inflation rate, interest and even devaluation of the official exchange rate, invites you to look for other custom alternatives for lower risk aversion, but forces to select the characteristics of new digitalized assets, They are the ones that grow the most.
Donald Trump’s return to the presidency of the United States brought other economic policies with an impact on projections and their correlation on different assets, even more about emerging economies such as Argentina. Little savers are in the face of the question of how to save how little they have plenty of. As the dollar depreciates and traditional instruments lose attractiveness, more and more people look for more profitable and relatively safe options.
The dollar in 2024 also faced a significant depreciation due to expansive monetary policies and increasing inflation in the United States (3% projected for this year). In Argentina, although the blue dollar remains the most used option to avoid them, their volatility and the risk of buying at a speculative price can make it not the best alternative. The MEP dollar, on the other hand, offers legality, but certain bureaucratic requirements can discourage the choice.
Gold, which has the attractiveness of its value of value for international economic instability emerged in 2024 as a global alternative: it increased 30%, amid generalized conflicts. But investing in gold also has its challenges: insecure or expensive storage and the purchase of physical gold implies additional costs. There are also gold investment funds that facilitate their acquisition without the need to physically own it, although these products depend on financial intermediaries that complex the process.
For their part, fixed deadline instruments and bonds showed limited profitability. The traditional bank deposit was one of the most used strategies by Argentines to generate some performance on their savings, but with rates that do not always exceed inflation, the risk of losing purchasing power is real.
On the other hand, treasure bonds and letters can offer more attractive returns, but require greater knowledge of the financial market and can imply risks if the economic context deteriorates.
The digital alternative. In recent years, cryptocurrencies emerged as an alternative, especially for more sophisticated investors. In 2025 there are 9,000 cryptocurrencies in circulation of which, the star is Bitcoin, which capitalizes 57% of the total crypto market and emerged as an option for those who seek to protect value without relying on governments or central banks. “Its main advantage is its scheduled scarcity: there will only be 21 million bitcoins in the world, which makes it a deflationary asset, unlike the dollar, whose emission can continue to increase indefinitely,” assures Tania readdirector of Latam de Aztecointernational platform that allows to acquire that digital asset from US $ 10 in physical stores such as supermarkets and warehouses. “Today more than ever it is easier to buy bitcoin than dollars, since it is not even necessary to have an account in an exchange to be able to acquire it”add.
Bitcoin not only proved to be a refuge of value in unstable economies, but also offers ease of access and global transfers without intermediaries. Today so much Chatgpt as Deepseek He considers it among the first three savings options for an Argentine. Despite its volatility, its historical tendency has been upward (+84% in the last year) and many experts believe that its value will continue to increase as its adoption expands and institutional investors continue to bet on this technology.
In addition, real “token”, widely used in raw material markets were developed, but also with rehearsals in the real estate sector. “Before an uncertain economic panorama, I understand that the diversification effect, Adding alternative assets would be a way to lower the risk of a portfolio and have a portfolio that allows greater stability throughout 2025”, Summarizes Guillermo EscuderoMarket Analyst (AFC/CEFA/CIIA) and founder of Tuscursos.tech.
The challenge is not only to choose the right instrument, but also learn to use it safely and strategically. María Fernanda Juppet, CEO of Cryptomkt, Clarifies a key point about the scandal with the promotion that President Milei made of a particular and its classification within the crypto ecosystem. “The $ LIBRA digital asset corresponds to a token based on a project and not to a conventional cryptocurrency. This is relevant because these types of assets are highly volatile and that the market knows, especially the Argentine, who has a lot of experience in its use to protect themselves from inflation ”clarify.
By Marcelo Alfano
