Top 5 Cryptos Black Millennials Should Know If You’re New to Investing

By Debbie Babalola

Crypto can feel overwhelming. Fast money talk. Confusing platforms. Influencers promising moonshots. But underneath the noise is something real: a new financial system is forming, and those who learn early can benefit the most.

Crypto isn’t just about flipping coins—it’s about building digital equity. Here’s a breakdown of five strategic cryptocurrencies to know, plus one that’s rooted directly in the Black community.

Spotlight: Guap Coin (GUAP)

Guap Coin is more than a cryptocurrency—it’s a financial empowerment tool created by and for the Black community. Founded by Black women and focused on economic justice, its mission is clear: to circulate wealth within our communities and support Black-owned businesses through blockchain technology.

Guapify has proudly partnered with Guap Coin and featured it across past content. And for good reason—it aligns directly with a mission to close wealth gaps and create lasting equity.

Though still growing and not yet on major exchanges, GUAP’s purpose-driven model and long-term potential make it one to watch—and one to support.

5 More Cryptos Black Millennials Should Know in 2025

Once you’ve got Guap Coin on your radar, here are five other digital assets worth understanding as you build long-term wealth with intention.

1. Bitcoin (BTC) – “The Digital Gold”

Pros:

• Record-breaking highs (~$110K) driven by institutional inflows and ETF growth
• Growing acceptance from regulators and large asset managers

Cons:

• High volatility
• Slow and expensive for daily use
  

Takeaway: BTC is the most recognized crypto. A solid entry point, though price swings can be intense.

2. Ethereum (ETH) – “The Internet of Crypto”

Pros:

• Backbone of smart contracts, NFTs, DeFi—largest developer ecosystem
• Promotional ETF inclusion alongside Bitcoin

Cons:

• Gas fees still spike during peak demand
• Competition from faster Layer 1 blockchains
  

Takeaway: ETH is essential to Web3. If you’re betting on the future of tech, it’s a must-know.

3. Solana (SOL) – “The Speedster”

Pros:

• Lightning-fast transactions with low fees
• Popular for gaming and NFT platforms

Cons:

• Recent outages (e.g., early 2025) due to transaction overloads 
• Still riskier than ETH/BTC
  

Takeaway: For fast, low-cost access to NFTs or gaming, SOL delivers, but network stability should be monitored

4. Polygon (MATIC) – “The Ethereum Sidekick”

Pros:

• Low fees (<$0.01), high speed, carbon-negative goals
• Partnered with major brands like Nike, Starbucks, Meta, and Reddit 

Cons:

• Heavily tied to Ethereum’s trajectory
• Less attention compared to top few coins
  

Takeaway: Great for beginners entering Web3 with low risk and high utility.

5. Chainlink (LINK) – “The Data Bridge”

Pros:

• Provides essential real-world data to DeFi protocols
• Integrated across many smart contracts and platforms

Cons:

• Not consumer-facing; growth is steadier but less flashy
• Less mainstream brand recognition
  

Crypto isn’t a cheat code; it’s a tool. Used wisely, it can open doors traditional finance kept closed. Whether you’re investing $10 or $1,000, understanding your choices is the real power move.Start small. Stay curious. Move smart.
Because the next wealth wave won’t wait.