Disclaimer: This is for informational purposes and is not meant to serve as financial or investing advice.
When you take your first virtual step into the world of cryptocurrency, it feels like there are endless opportunities and options. And that’s true; there are. And sometimes, you find an asset that’s a great match and want to grow your position.
There’s just one little problem: You can’t afford to make a large purchase. If you’ve ever been in that position or are facing it now, we’d love to talk about an option known as recurring investing. Keep reading for details that could potentially change your investment plans.
What Is a Recurring Investment?
A recurring investment (or “recurring buy”) is when you purchase a prescribed amount of your favorite assets over time at specific intervals. This disciplined approach is also known as dollar-cost averaging (DCA) and can be done in the stock market as well as the crypto market. It helps to mitigate the risk of buying an asset at a single, potentially high, price point.
How Does a Recurring Investment Work in Crypto?
Setting up a recurring investment is typically straightforward. You decide on a specific dollar amount you want to invest and select the cryptocurrency you want to purchase. For example, let's say you wanted to set up an automatic and recurring purchase of $200 worth of Bitcoin (BTC) every four weeks. This would help you slowly and steadily accumulate your supply of Bitcoin over time, regardless of market fluctuations.
This process is largely automated through the exchange or platform you are using, which executes the purchase on your behalf at the set frequency and amount.
What Are the Main Benefits of Recurring Investment in Crypto?
There are four main benefits to recurring investment/recurring buying for cryptocurrency: consistent portfolio growth, more effective risk management, removing emotional error, and diversification. Let’s go over each benefit in a little more detail.
1. Consistent Portfolio Growth
When you set up a recurring investment, your portfolio can spread its wings slowly over time. By consistently acquiring more of an asset, you build your position and benefit from the potential for compounding returns. As the projects you continue to invest in develop, you won’t miss out on their evolution as you accumulate currency consistently.
2. More Effective Risk Management
One of the first things you learn when investing in cryptocurrency is how volatile the market is. That means values can skyrocket or crater very quickly. With recurring investments, you’re not dumping all your cash into a single asset at one time—funds that could disappear soon after.
With smaller, regular contributions, you risk less. If your means fluctuate, you can adjust the amount you put in each time. That control can help prevent significant losses and increase your comfort level, especially in a market that has seen periods of extreme volatility.
3. Removes Emotional Error
Your emotions are not your friend when investing in cryptocurrency. For example, some people panic-sell and come to regret it later. Fear, greed, and euphoria have been the downfall of too many people.
But emotions are taken out of the equation regarding recurring investments. You’ve automated it and can then step back and let it do its thing. This allows discipline to become part of the equation instead of emotions.
4. Diversification
You can afford to take more chances on various currencies with recurring investing. Each investment is small, which means your risk exposure is negligible. You can slowly diversify your portfolio by taking small bites with each coin. And this, in turn, lowers your risk of losing a lot when one of the projects you invested in is ultimately toe-tagged.
How Can You Set Up Recurring Crypto Investments?
You can handle many recurring buys in the crypto market through the web platforms or apps of whichever exchange you decide to use. If you have questions, talk to a representative from that particular exchange.
While the exact steps may vary slightly between platforms, here's a general guide based on common practices as of September 2025:
Step 1: Choose which crypto you want to invest in and enable the option for recurring buy. Many exchanges offer a dedicated "Recurring Buy" or "Auto-Buy" feature within the app or web interface.
Step 2: Pick your fiat currency. (For those who don’t know, fiat money is currency that is backed by a government. It’s regulated, but unlike historical currencies, it is not backed by a physical commodity like silver or gold. Instead, its value is derived from the government that issued it.)
Step 3: Set up how often you want to invest. Most platforms offer a variety of frequencies, such as weekly, bi-weekly, or monthly. You can often choose the specific day and time for your recurring purchase to be executed.
Step 4: Choose how you’re going to make these purchases. Common payment methods include a linked bank account via ACH transfer or a debit/credit card.
Step 5: Confirm that everything with your order is correct. The market is always on the move, and the amount of crypto you receive will be based on the exchange rate at the time the purchase is processed.
If you’re looking to level up your portfolio with automated investing, Pluto can help. Our free tools can help you balance, diversify, and grow your portfolio.
Which Exchange Is Best for Recurring Investments?
As we mentioned, you can handle recurring investments through different exchanges' apps or web-based platforms. Each has its set of directions for setting up these recurring buys. If you’re curious about where to turn, here are our recommendations for September 2025.
Coinbase
Hailed by experts like Nerdwallet as a top choice for beginners, Coinbase offers a user-friendly interface that makes setting up recurring buys simple. It provides access to a wide variety of cryptocurrencies and has strong security measures. The company is actively expanding its services and features, including integrations with various financial institutions.
Crypto.com
This popular exchange is known for its robust mobile app and a wide array of features beyond just buying and selling. It's a great option for users who want to manage their crypto on the go and access a broad ecosystem of products. Crypto.com also offers a "Recurring Buy" feature within its app, making it easy to automate purchases.
Gemini
Gemini is an excellent choice for both casual and experienced investors. It's known for its commitment to security and compliance, with some of the industry's highest standards. Its straightforward interface and low minimum trade amounts are inviting for newcomers. While its fees may be slightly higher than some competitors, the security and reliability it offers can be a worthwhile trade-off.
Binance
Binance remains a powerhouse in the crypto world. It has a feature called "Auto-Buy" (previously "Recurring Buy") that allows users to automate purchases. It is often cited as a highly liquid exchange with a wide selection of assets and competitive fees, making it a favorite for many global investors.
The Bottom Line: Are Crypto Recurring Investments Worth It?
Setting up recurring investments can be a wise choice. It’s incredibly strategic for those with limited funds to invest or people who want to diversify their portfolio with much caution. It reduces your risk exposure and can also wipe out the effects of emotional reactions, which have ruined others.
If you are interested in automated investing, we can be a vital asset to your success. Pluto is an investing app that helps you automate investing in stocks and cryptocurrencies by building a portfolio of "strategies" or rules for when to buy and sell.
With our app, you can quickly build a portfolio of strategies to watch your investments and make better decisions with your own rules like “if bitcoin (BTC) dips below $20k, then buy.”
We would be honored to have a conversation with you without hinting at obligation. We just want to share how we can help you strategically accumulate wealth.
If you enjoyed this blog entry, please be sure to give our full blog a look, as we cover a wide variety of topics that can arm you with the knowledge to grow as a crypto investor.
We also have a frequently asked questions section that can give you a sharper picture of what we’re all about. And finally, check out some videos on our YouTube page that will engage and educate you.