he Half bonustechnically known as Supplemental Annual Compensation (SAC), is a workers’ right that is paid twice a year, in June and December. This additional income represents an opportunity for millions of workers to boost their economy, eliminate debt, or invest increasingly.
The economy is on a path that combines structural challenges with signs of stability. the Economic inflation Annual growth continues at high levels by global standards, although signs of slowdown appear compared to previous years.
The official exchange rate has stabilized thanks to assistance from the United States, but remains under scrutiny due to a shortage in central bank reserves. Given this context, where bank interest rates offer limited benefits, investing in… Cryptocurrencies It appears as an attractive alternative to protect value and diversify a portfolio.
Cryptocurrencies, by their decentralized and digital nature, offer high return potential but also represent significant volatility and risk that should not be underestimated. Advance clarification: this article iProfessional He has It is for informational purposes and does not constitute financial advice. Every investment involves risk. It is recommended to investigate and consult with specialists before making decisions.
Considerations before investing in cryptocurrencies
Before investing half of your reward in cryptocurrencies, it is essential to maintain a solid foundation of financial education and environmental awareness.
Financial education
The first step is to understand the technology that supports these digital currencies: blockchain. It is a secure and decentralized network that records transactions without intermediaries, ensuring transparency and trust.
Understand concepts like “wallet“Digital wallet,” “staking” (temporary blocking of interest) and “gas fees” (transaction commissions) are key to avoiding future surprises. In addition, it is necessary to investigate the historical behavior of the cryptocurrency market, its advantages and limitations.
Risk profile
You should never invest money needed to cover immediate or emergency expenses.. Cryptocurrencies are high-risk, high-reward instruments, so it is advisable to only set aside a percentage of the reward that you are willing to lose in whole or in part without affecting your health.
diversification
The saying “don’t put all your eggs in one basket” rings true. Instead of throwing the entire amount into one cryptocurrency, it is recommended Distribute it among different assets Ultimately, holding something in traditional reserves to offset the risks.
Regulatory framework
In 2025, despite some progress towards a clearer legal framework, cryptocurrency regulation in Argentina is not fully defined. There is increasing monitoring by organizations such as AFIP To pay taxes on profits and movements, however, the absence of strict regulations generates an environment of legal and tax uncertainty that the investor must take into account.
Cryptocurrency Options to Invest Half Bonus
The world of cryptocurrencies offers a variety of assets that can suit different profiles and goals. The main categories and their characteristics for 2025 are shown below.
Cryptocurrencies with large market cap (“blue chips”)
Bitcoin (BTC)
Bitcoin is considered a “digital store of value” or “digital gold.” It was the first cryptocurrency and remains the most popular and adopted. Although it still shows relative volatility, it is the least vulnerable to a sudden fall within the cryptocurrency market.
Its offer is limited to 21 million It ensures attractiveness as a value haven in the context of Argentine inflation. For novice investors, BTC is a solid option to “HODL” (Hold for Long Term).
Ethereum (ETH)
Second in importance after BTC, Ethereum offers more than just a currency: it is a platform that allows the creation of… Smart contracts (“smart contracts”) and decentralized applications, which are vital to decentralized finance (DeFi) projects and NFT (non-fungible token) markets. This tool gives it high growth potential, although it suffers from more volatility than Bitcoin due to constant updates and competition.
Stablecoins (store of value)
“Stablecoins” are Cryptocurrencies whose value is linked to fiat currencies such as the dollarwhich provides less volatility.
USDC and USDT
They are the most popular stablecoins used in Argentina to protect against the devaluation of the peso and facilitate fast transactions with low volatility risk. However, they also have it Centralization risksBecause it depends on credit reserves held by external entities. They are useful for those who want to preserve value without leaving the cryptocurrency ecosystem.
DeFi Cryptocurrencies and Utility Altcoins
This set includes Newer and more specific projectswith clear use cases but with greater fluctuations.
- Layer 1 or 2 blockchains: Such as Solana, Avalanche, or Polygon, which improve the performance and costs of Ethereum.
- DeFi tokens: They allow you to participate in loan protocols, “exchanges” or “yield farming” to gain additional interest, although with greater technical and market risks. These assets can provide interesting diversification opportunities, but require monitoring and analysis.
Investment platforms in Argentina
To access the cryptocurrency market, Argentines have several options that allow this Buy, sell and manage digital assets.
Local and regional exchanges
platforms like Lemon Cash, Belo, Bitso and Boinbet They offer the advantage of working in Argentine pesos, making deposits and withdrawals simple. They comply with local regulations, which builds trust, and often have beginner-friendly interfaces. These platforms also allow you to purchase using cards or bank transfers, making it easier for you to “enter the market”.
Global exchanges
Global platforms such as Binance They offer a wider range of cryptocurrencies and greater liquidity, and are ideal for asset diversification or access to advanced tools. Access is not very straightforward with the Argentine peso, since it generally requires the purchase of stablecoins as a bridge, and regulatory trends can complicate its local use. However, they are options for more technical or experienced investors.
P2P (peer to peer)
The P2P method allows you to buy and sell cryptocurrencies directly with other users, avoiding banking controls or high commissions. It is a practical alternative for those who value privacy Caution is required due to possible scams. It is recommended to use trusted platforms with arbitrage systems and not make transactions outside the secure range.
The basic process of investing
- Choose one platform Suitable according to the profile.
- Open the account And complete the identity verification process (KYC, KYC).
- Deposit Argentine Peso To buy cryptocurrencies or stablecoins.
- Transfer assets to the wallet Private for added security, if desired.
- to implement Cautious operations And study commissions (gas fees).
Benefits and risks of investing in cryptocurrencies
benefits
- Inflation hedging: As inflation persists, storing part of the reward in assets pegged to the dollar or Bitcoin can preserve purchasing power more effectively than holding pesos.
- Growth potential: Historically, the cryptocurrency market has shown significant returns, in many cases exceeding traditional Argentine investments. Although there is no guarantee, the possibility of capital growth can be an incentive.
- Access 24/7: Unlike traditional banks or markets, cryptocurrencies can be bought, sold and transferred on any day and at any time, facilitating flexible management.
Risks
- Market fluctuations: Cryptocurrency prices can fluctuate sharply in short periods, which can cause significant losses.
- Regulatory risks: Changes in tax regulations, restrictions on buying or selling or new laws may affect liquidity or profitability.
- Security risks and hacking: Exchanges and wallets can be vulnerable to cyber attacks. It is essential to use reliable systems and implement good security practices (strong passwords, two-step authentication).
- Lost keys: Unlike a bank account, losing private keys means losing access to assets, as no one else can recover them.
Final recommendation
Investing half the reward in cryptocurrencies can be a A smart strategy that complements traditional savingsEspecially in the Argentine economic context where inflation is rapidly eroding the value of the peso.
However, education, diversification and caution are key to avoiding this Costly mistakes. The world of cryptocurrencies is promising, offering real growth opportunities, but it also reveals significant risks that every investor must evaluate.
Only one customization is recommended A small portion of the reward To get started, allowing you to learn about the technology and the market without risking your entire capital. Investment should be approached with a medium or long-term vision, avoiding quick or speculative profit expectations.
Consult Official and professional sources Local financial institutions, in addition to keeping Argentine regulations constantly updated, are essential steps to make the half bonus work for you without surprises.