Cryptocurrency is no longer a fringe concept. Bitcoin, Ethereum, and other digital currencies have made their way into mainstream headlines, investment portfolios, and even everyday purchases. For some, crypto represents innovation and financial opportunity. For others, it feels risky, uncertain, or even morally murky.

So how should Christians think about cryptocurrency through the lens of biblical stewardship? How do we discern whether to engage at all, and if we do, how to do so faithfully?

At AdelFi, we believe stewardship is about more than financial outcomes. It’s about aligning every decision—every dollar—with your values and God’s calling. Cryptocurrency may be new, but biblical principles of wisdom, discernment, and integrity remain as relevant as ever.

1. Know What You’re Investing In

One of the first questions to ask is: Do I truly understand what I’m putting my money into?
Unlike traditional investments such as stocks or mutual funds, cryptocurrencies are decentralized digital assets, often driven by market sentiment, social media trends, and emerging technologies. They aren’t backed by physical assets or regulated by central banks. Their value can fluctuate dramatically within hours.

Proverbs 19:2 reminds us, “Desire without knowledge is not good—how much more will hasty feet miss the way!” Wise stewardship means taking the time to understand what you're participating in before committing money to it. Don’t invest simply because of hype or fear of missing out (FOMO). Learn the basics of how cryptocurrency works, the risks involved, and how it fits into your overall financial plan.

2. Evaluate the Motive Behind the Move

What’s motivating your interest in cryptocurrency? Is it a desire to diversify your investments—or a shortcut to quick wealth? Are you trying to build for the future—or chasing something that promises instant returns?

While there’s nothing inherently wrong with investing in crypto, the why matters. Scripture warns against putting our hope in riches (1 Timothy 6:17) and encourages us to seek God’s wisdom above worldly success.

Ask yourself:

  • Am I prayerfully considering this decision?
  • Have I sought wise counsel?
  • Does this investment align with my values and responsibilities?
  • Am I motivated by greed or by thoughtful, long-term stewardship?

When investing becomes a spiritual discipline—grounded in humility and guided by faith—it becomes more than just financial strategy. It becomes an act of trust.

3. Count the Costs (and the Volatility)

Crypto is famously volatile. Prices can swing wildly due to global headlines, policy changes, or even social media posts. That makes it an extremely risky place to put money you can’t afford to lose.

Unlike savings accounts or diversified portfolios, cryptocurrencies don't offer stable, predictable growth. This makes them a poor choice for emergency funds, tithes, or money designated for short-term goals like tuition, housing, or charitable giving.

Luke 14:28 says, “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost?” In the same way, approach crypto with caution and calculate what you’re willing to risk. For some, that may mean allocating a very small portion of their overall investments—if any at all.

4. Be On Guard Against Scams and Hype

The crypto world has unfortunately become a breeding ground for fraud. Fake investment platforms, “pump and dump” schemes, and phishing attacks are rampant. Scammers often target those who are unfamiliar with the technology or who are looking to make fast money.

Christians are called to walk in truth and avoid even the appearance of dishonesty. That includes doing due diligence and avoiding platforms or practices that lack transparency.

Use well-reviewed, regulated exchanges. Avoid anonymous deals or “get rich quick” offers. And if something feels off—it probably is. Proverbs 14:15 reminds us, “The simple believe anything, but the prudent give thought to their steps.”

5. Steward With an Eternal Perspective

Perhaps the most important question to ask is this: What kind of impact does this decision have on my ability to serve, give, and live generously?

Cryptocurrency may be a tool—but it should never become a treasure. Jesus reminds us in Matthew 6:21, “Where your treasure is, there your heart will be also.” Whether you invest in crypto, real estate, mutual funds, or something else, the call is the same: use your resources for God’s glory and others’ good.

That includes making sure your financial life reflects your values. Are you giving regularly? Do you have a plan for saving and living debt-free? Are you using your money to bless others and support Kingdom work? These are the true measures of biblical financial health.

Growing in Wisdom and Stewardship
 
At AdelFi, we try not to offer financial advice based on worldly trends. Instead, we’d rather walk alongside you with biblical truth and practical tools. Whether you’re navigating traditional investments or new technologies like crypto, we’re here to help you make wise, God-honoring decisions.

Visit the AdelFi Financial Stewardship Center for free courses and insightful tools that can help you give your finances purpose. Investment trends may shift, but God's wisdom endures forever.