By MERLION$ | Merlion Finance

Crypto always looks damn sexy on TikTok – but for most Singaporeans, that’s also where the trauma starts.
You see those angmoh bros flexing 20x Solana gains… then you open your own portfolio and wah… red sea. Whole thing look like Orchard Road during Chinese New Year – all red.

But here’s the truth:
Right now? With the markets tanking again?
This is ironically one of the most Singaporean-approved times to start.

Why?
Because we love discount.
40% sale on Bitcoin? Singaporeans first in line.
ETH down 30%? Faster than queue for Don Don Donki opening promo.

Let Uncle Merlion explain properly.

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🔥 Why This Might Be the Best Time (Yes, Really)

🥶 1. Fear is high. Prices are low.

When the whole world panic-selling, that’s when the quiet Singaporean auntie with $200k savings walks in and clears shelf.

Crypto always runs on cycles:
PUMP → EUPHORIA → COLLAPSE → DESPAIR → OPPORTUNITY

Right now we’re somewhere between “BO JIO WHY DIP SO HARD” and “ok lah maybe I try small small”.

Historically, best time to enter = when everyone else damn scared.

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🏗️ 2. Fundamentals keep improving

Even though prices like sotong now, behind the scenes:

• Big banks doing tokenisation
• Governments pushing digital assets
• AI + blockchain merging
• Ethereum scaling
• Institutions slowly accumulating
• More MAS approvals rolling out

Crypto price down ≠ Crypto dying.
It just means the casino tourists left.
Builders still building.

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🇸🇬 3. Singapore actually damn safe to start

Other countries:
“Crypto is banned, illegal, dunno maybe can maybe cannot.”

Singapore:
“Okay, you can invest… but please lah, use regulated platforms.”

MAS keeps things clean.
If the company never follow rules = bye bye license.
So our playground is actually one of the safest in the world.

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🟩 MAS-Approved Crypto Platforms Singaporeans Should Actually Use

Here’s the non-BS, non-scammy, MAS-regulated list.

🟩 Coinhako (MPI Licensed)

The OG Singapore exchange.
Very idiot-proof.
Very Singaporean UI.
Direct bank transfers. Good for beginners.

🟦 Coinbase Singapore (MPI Licensed)

The “Apple of crypto”.
Very clean, very atas, very safe.
Solid for long-term investors.

🟧 Crypto.com (MPI Licensed)

Great mobile app.
Easy to use.
Runs like a Web3 Grab.

🟪 Independent Reserve (MPI Licensed)

Serious platform with transparent fees.
Good for people who want less cartoon, more institution vibes.

🟫 Gemini (MPI Licensed)

Very strong security.
Good custody solutions.
Feels like the “DBS” of crypto exchanges.

🟥 DBS Digital Exchange (DDEx)

You need to be an accredited investor.
If you qualify, you don’t need my advice lah bro.

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📊 Quick Summary Table (Made for WordPress)

Exchange	MAS Status	Good For	Notes
Coinhako	✔ MPI	Beginners	Singapore-friendly
Coinbase SG	✔ MPI	Safety & UI	Global giant
Crypto.com	✔ MPI	All-in-one app	Easy onboarding
Independent Reserve	✔ MPI	Experienced users	Transparent fees
Gemini	✔ MPI	Security	Institution vibes
DBS DDEx	✔	Wealthy investors	Private access

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🟦 How to Start Without Losing Money Like a Clown

1️⃣ Start with $50–$200 only

Don’t be that guy who YOLOs $10,000 into some coin named after an animal.

2️⃣ Buy only BTC and/or ETH at the start

These two are the “blue chips”.
Rest are… aiyah, spicy.

3️⃣ Use DCA (Dollar-Cost Averaging)

Every week or month, buy small amount.
No need to time bottom.
Even Warren Buffett cannot.

4️⃣ No leverage. No futures. No margin.

Unless you want to experience instant financial death.

5️⃣ Don’t cold-store too early

First learn what a seed phrase is.
Or you’ll be the next person on Reddit crying:

“Help I lost my ledger passphrase, my life savings gone.”

6️⃣ Never invest money you need within 2 years

If the money is needed for BTO, don’t put in crypto.
Unless you want to sleep outside.

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🐉 Final Thoughts from Merlion Finance

Crypto is not get-rich-quick.
Crypto is not magic internet casino.
Crypto is an emerging financial system with insane potential – if you play it smart.

Singaporeans are lucky.
We have clear regulations, safe on-ramps, and some of the best investor protections in the world.

So if you ever wanted to start…

This dip might be your chance.

Small small first.
Steady steady.
Accumulate quietly.
Let the angmohs panic – we accumulate with kopi in hand.

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📢 Disclaimer

This article is for education only.
Not financial advice.
Not investment advice.
Please do your own research.
Your money, your responsibility.

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Stay sharp. Stay rational. And as always – 🦁 Stay ballin’.

– MERLION$ | MerlionFinance.com**