Germany is known for its financial conservatism, but Crypto adoption in Germany Get quiet speed – thanks to part of Coinbase’s strategic print. The leading fee is Denny Morawiak, Coinbase’s country director, who works hard to change how prosperous Germans see Bitcoin (Crypto: BTC), Ethereum (Crypto: ETH) and even the more playful corners of the crypto market as Popcat (Crypto: Popcat).
Change the way of thinking for a conservative nation
Convinating the Germans to embrace Cryptocurrency is not a simple task. The country has a notoriously cautious investment culture, with a 20% savings rate in 2024 (Eurostat), compared with just under 5% in the United States (Bureau of Economic Analysis, April 2025). Most Germans still prefer traditional financial products such as government bonds and pensions, which offer stability over the volatility of digital assets.
Morawiak believes that adoption of crypto in Germany does not come from memes or hype, but from education and trust. “They aren’t just looking for performance,” he says. “They want to understand the product, risks and how it fits into their long -term strategy.”
A white glove strategy for rich investors
In order to increase interest, Coinbase utilizes a white glove strategy – worth elite events and personal consultations. Since 2023, Coinbase has been a sponsor for Borussia Dortmund, the Bundesliga giant. This partnership has enabled Coinbase to hold events at Stadion and offers a premium experience that attracts high -key individuals who are curious about crypto.
“There are already rich individuals who are diversified in crypto,” says Morawiak. “But there is an even larger group that is not yet in. It is who we are targeting now.”
This strategy depends on referrals, loyalty and education. Participants bring their friends – people who want to invest but need clarity on tax consequences or safer ways to enter the market.
Why Germany still hesitates
Part of the hesitation comes from Germany’s robust pension system. Younger workers pay into a system that benefits current pensioners, and most people do not feel the urgency to build private wealth through risky assets.
“The money I am contributing right now goes directly to my grandparents,” explains Morawiak. “So I’m less focused on what happens to that money – it’s not meant for me.”
Combined with a lack of financial education for market investments, this way of thinking makes crypto adoption in Germany particularly challenging. But Morawiak sees an opportunity. “We are a rich country with large companies,” he says. “But we are a country with relatively unpleasant people. It’s a shame.”
Education first, hype last
On the question of speculative assets like memecoins, Morawiak is careful. Popcat (Crypto: Popcat), for example-a Solana-based (Crypto: Sol)-token based on a cat MEME is not something he recommends for pension portfolios.
“I wouldn’t advise anyone to build a pension around Memecoins,” he says with a laugh. Instead, the real opportunity lies in showing investors how to treat digital assets as part of a diversified portfolio.
Coinbase’s approach emphasizes responsible investments, not hype. Their Germany team has launched training campaigns for Borussia Dortmund employees in the hope of demystifying crypto for everyday professionals.
Looking forward
The formula seems to work. When Coinbase continues to host exclusive events, Morawiak puts more calls from interested clients – some have already invested in shares and appear to diversify, others who need hand hold through their first crypto transaction.
In a country where economic risk has long been taboo, the way to adoption of crypto In Germany may not be fast – but it becomes more possible. And for Morawiak, that is the goal.
“Growth will not come overnight,” he says, “but it comes through trust and education.”
In the future, Coinbase may expand in addition to customers with high net value and start tailoring financial literacy efforts for a younger demographic. This may include university workshops, online tutorials and collaborations with schools-plant seeds for long-term change in how the Germans see money, wealth building and digital assets.
Featured Image: Freepik @ Produtizebro
