Should You Invest in Bitcoin Today, or Is It Too Late?

If you have not invested yet, you have probably asked whether it makes sense to invest in bitcoin today or whether you are too late. Everyone has a Bitcoin story: they heard about it years ago, ignored it, then came back in disbelief. Even early adopters often feel they missed the boat. Take Greg Schoen's legendary tweet regretting that he sold his bitcoin at $0.30 after the price reached $8. Had he held his 1,700 bitcoin, they would later have been worth more than $190 million (which implies a bitcoin price above $111,000). Since this was only two years into Bitcoin's existence, when it still looked like a nerdy experiment, his decision was understandable. Could anyone have foreseen Bitcoin's potential to transform the global monetary system? In hindsight it is easy to say yes, but the useful question is whether it is too late today. Despite being far more mature and adopted than before, Bitcoin is just getting started. Below are the most common fallacies that make people think they are too late, followed by the reasons they are not.

Common fallacies that make people think they are too late

Unit bias

The price of a full bitcoin can be intimidating, which makes people feel they have missed most of the upside. But Bitcoin is divisible down to one satoshi (0.00000001 BTC). You can buy $5 or $50 worth. Anyone can start accumulating gradually.

Unit bias is why some investors chase “cheaper” cryptocurrencies without understanding the monetary properties that drove Bitcoin’s adoption in the first place.

Bitcoin is old tech

Some people compare Bitcoin to MySpace versus Facebook, arguing that first movers can be replaced. This analogy misunderstands what Bitcoin is. It is not a social platform or a software product. It is a monetary network.

When evaluating money, the key qualities are:

• Durable: digital records don’t degrade.
• Divisible: down to one satoshi (1/100,000,000 of a bitcoin).
• Fungible: interchangeable in practice.
• Portable: transferable across the globe in minutes.
• Verifiable: anyone can validate a transaction’s authenticity with the Bitcoin software.
• Scarce: capped at 21 million bitcoins, with a predictable issuance schedule.

On these properties, Bitcoin remains unmatched.

Bitcoin is also evolving. Innovation happens on layers on top of the Bitcoin network, such as the Lightning Network or Ark. For a deeper comparison between Bitcoin and other cryptocurrencies, see our article Bitcoin vs crypto.

Top reasons why you are not too late for Bitcoin

Bitcoin is only 16 years old. Thinking it is too late now is like thinking it was too late to adopt the internet in 1999.

Programmed scarcity

Bitcoin’s issuance halves roughly every four years. A shrinking new supply supports price if demand remains steady or grows. There will only ever be 21 million bitcoin. What matters is your share of that fixed supply.

Regulatory clarity is improving

Bitcoin was once viewed as toxic by banks and institutions. Today, more jurisdictions are adopting clearer legal frameworks, and those that do not risk being left behind.

Network effects are strengthening

As more people, businesses, developers, and institutions join, Bitcoin’s ecosystem compounds in value. Like the internet, adoption drives utility, and utility drives further adoption.

Layers and payment growth

Scaling solutions like the Lightning Network improve speed, fees, and user experience. Bitcoin’s utility expands beyond long-term store of value into payments and smart contracts.

Broader liquidity and market depth

Exchange liquidity, ETFs, institutional-grade custody, and professional market makers reduce volatility spikes and increase accessibility.

Mainstream financial integrations

Brokerages, fintech apps, banks, and payment processors are integrating Bitcoin infrastructure, making it easier for everyday users to acquire and use it.

Government adoption

The United States, El Salvador, and many other countries publicly hold bitcoin as part of their reserves, and every month, new countries and states are exploring similar policies.

Growing corporate and treasury use

More companies are adopting Bitcoin as a reserve asset. In 2025, Mexican companies such as Murano announced bitcoin treasury allocations. Corporate adoption is still in the early innings.

Improved custody options

Beyond hardware wallets, users can choose between:

• multisig setups
• collaborative custody
• multi-institution custody (MIC)

If you need help evaluating options, contact Aureo for a consultation.

So how much higher can it go?

A better question might be: How much purchasing power will fiat currencies lose?

The value of fiat money tends to decrease over time due to unlimited issuance. Historically:

• The U.S. dollar has lost around 97% of its purchasing power over the past century.
• The Mexican peso has faced repeated devaluations and redenominations.

Bitcoin’s goal is not just to rise in fiat terms. It is to preserve purchasing power over decades.

That said, several institutional models suggest that Bitcoin could reach seven or eight figures (millions to tens of millions of dollars per bitcoin) based on different adoption frameworks:

Institutional portfolio share theory

ARK Invest estimates that if Bitcoin captures even 2 to 6.5 percent of global investable assets by 2030, prices could reach mid-six to seven figures.

Reserve asset math

VanEck models central-bank reserves and cross-border settlement to project multi-million-dollar outcomes under aggressive adoption.

Gold parity scenario

CoinShares models Bitcoin’s valuation if it were to capture different percentages of the total above-ground gold market

Conclusion

There are many compelling reasons why it is not too late to start accumulating Bitcoin. In fact, we are still in its early adoption phase.

To get started, speak with one of our experts at Aureo here, or sign up to use our platform to buy Bitcoin in Mexico.

Related reading. If your answer to whether it is worth investing today is yes, the next question is how: amount, horizon, custody and Mexican taxes are set out in order in How to invest in Bitcoin in Mexico. To take a first step with a small amount, Buy bitcoin explains how a SPEI purchase is delivered directly to your wallet.