Why keeping money in cash may not protect your wealth?

In many countries, inflation can fluctuate sharply. In recent years, it has often surpassed 10% annually during periods of economic instability. When inflation spikes, savings held in local currency rapidly lose purchasing power — especially when exchange rates are unpredictable.

What do traditional savings options offer?

Bank deposits may feel like a safe choice, but their interest rates rarely match real inflation. Even in stable times, traditional savings accounts usually provide returns too low to preserve long-term value.


Foreign-currency deposits come with additional drawbacks — limited accessibility, low returns, and occasional withdrawal or transfer restrictions that reduce financial flexibility.

How do major financial players operate in many countries?

Banks generate profit by reinvesting customer deposits into higher-yield financial instruments. While they benefit from these lucrative opportunities, customers often receive only 2–3% annually — far below what banks earn with the same funds. It’s a system that works well for them… but not necessarily for you.

Jan Warmus is a Senior Business Development executive with over 6 years of experience in the cryptocurrency and Bitcoin mining industry.

He currently serves as Partnerships Director at EMCD, where he focuses on building international sales teams and shaping go-to-market strategies for crypto products. Jan has managed millions in Bitcoin-related sales across European markets and is widely recognized as an expert bridging traditional finance and digital asset mining.