Should You Buy Monero in 2025?

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At HelloSafe, our expert has been closely monitoring the evolution of the Monero cryptocurrency for over three years. Every month, thousands of users across New Zealand rely on us to analyse market trends and identify the best investment opportunities. Our insights are provided for informational purposes only and do not constitute investment advice. In line with our ethical guidelines, HelloSafe has never purchased Monero nor received any compensation from entities associated with its ecosystem.

Monero in brief

How much does 1 Monero cost?

The price of Monero is on the rise this week. As of today, Monero (XMR) is trading at approximately NZ$535.20, marking a 1.1% increase over the past 24 hours and a gain of 0.8% for the week.

Monero ranks around 25th by market cap globally, with a circulating supply of 18,446,744 XMR representing roughly 0.34% of the total crypto market. While Monero’s price shows steady upward momentum, keep in mind that its volatility and regulatory environment may impact investment outcomes over time.

Our complete review of the cryptocurrency Monero

Have we reached a pivotal moment for Monero’s trajectory in the privacy coin ecosystem? After analysing Monero’s latest trends—including three years of market evolution—through proprietary algorithms blending on-chain data, technical signals, and competitive landscape metrics, several decisive patterns are taking shape. So, why could Monero again present a uniquely strategic entry point within the privacy-focused layer-1 space in 2025?

Recent Performance and Market Context

Price Evolution

Over the past twelve months, Monero (XMR) has delivered a striking +90.2% upside, trading at $324.68 USD as of June 7, 2025. Its Q2 growth has been notably “silent,” propelling +150% higher amid strong, underlying demand. This climb is particularly remarkable given the persistently cautious regulatory sentiment surrounding privacy coins.

Positive Recent Events

Noteworthy catalysts include a major protocol upgrade (FCMP++) focused on quantum resistance, enhanced transaction secrecy, and forward-secrecy to counter advanced threats. Monero’s ecosystem benefited from new partnerships—most prominently with Unstoppable Domains (.xmr TLD)—as well as the persistent development of its decentralised peer-to-peer infrastructure.

Macro and Sector Context

Despite mounting regulatory scrutiny—Binance and Kraken delisted XMR in 2024-2025, and the EU aims to prohibit privacy coins by 2027—global demand for truly private digital assets endures. Macro tailwinds such as the increasing importance of financial privacy, persistent distrust in fiat regimes, and opaque regulatory environments in emerging markets all contribute to Monero’s robust, enduring appeal.

Technical Analysis

Relevant Crypto Indicators

• RSI: Currently at 44.02, Monero’s RSI maintains a neutral posture, neither overbought nor oversold—suggesting ongoing accumulation phases rather than blow-off tops or capitulations.
• MACD & Moving Averages: Daily trend confirmation supports an emergent bullish bias, as moving averages confirm upward price structure. A recent bullish engulfing pattern has materialised right above the structurally significant support.
• Critical Levels: The $324.85 area—April’s monthly top—now acts as a new support; immediate resistance stands at $380, with a breakout target at $420.

Support and Bullish Reversal Triggers

• A series of bullish technical signals are confirmed by the XMR-BTC ratio reaching new multi-month highs—suggesting “rotation” from Bitcoin into Monero during periods of market risk-off.
• Rising daily volumes ($88m+) and sustained trading above prior support reinforce the likelihood of a continued, structurally positive price momentum into the medium term.

Momentum and Structure Outlook

With the current technical structure showing:

• Solid base formation above prior range highs
• Daily volumes trending higher (> $100m)
• Lightweight pullbacks bought quickly and decisively

Monero could well be poised for another wave higher as the market reassesses the value of censorship-resistant, truly private blockchains.

Fundamental Analysis

Growing Adoption and Ecosystem

• Decentralised Identity: Integration with Unstoppable Domains opens broad use-cases for uncensorable on-chain identities.
• Continued Use: User metrics evidence sustained on-chain adoption despite, or perhaps because of, increasing regulatory hostility.
• P2P Infrastructure: The project continues to champion decentralised, peer-to-peer exchange mechanisms—driving resilience through censorship events.

Attractive Valuation

• Market Cap: At just under $6bn, Monero’s valuation remains a fraction of comparable layer-1 assets, especially on a usage-adjusted, TVL or active user basis. No “fully diluted” ceiling—the block reward ‘tail emission’ is algorithmically modest.
• Relative Attractiveness: As the #1 privacy coin and a top-30-crypto asset, Monero is attractively positioned for capital rotation by allocators seeking both diversification and true privacy.

Technological Advantage & Community

• Innovation: Monero is the rigorous privacy leader: it deploys Ring Signatures, Stealth Addresses and RingCT—all peer-reviewed cryptographic primitives—without direct competition at comparable market cap/scale.
• Open-Source, Decentralised Governance: With no CEO, foundation or single-point-of-failure, Monero continues to attract top cryptographers and developers—further insulating it from regulatory targeting and business-cycle volatility.

Volume, Liquidity, and Position

• Liquidity: Despite CEX delistings, Monero’s volume remains resilient, supported by robust decentralised exchange activity and P2P channels.
• Dominance: Maintains capitalization dominance in the privacy sector and remains a bellwether for regulatory sentiment and technological progress in the category.

Positive Catalysts and Prospects

• Protocol Upgrades: The imminent FCMP++ upgrade enhances quantum resistance and ensures Monero’s cryptographic edge remains state-of-the-art—acting as a likely catalyst for renewed speculative inflows.
• DeFi Integrations: Ongoing development of atomic swaps and DEX interoperability offers meaningful utility upside.
• Potential Institutional Adoption: As privacy concerns escalate globally (e.g., authoritarian regimes, unstable emerging market currencies), institutional hedging toward provably private assets could accelerate.

Investment Strategies (by Horizon)

Short-Term (<12 months)

Momentum plays could look to exploit technical breakouts above $380 and $420, with high volatility offering both swing opportunities and risk premium capture for active traders.

Medium-Term (1-2 years)

Strategic positioning around protocol upgrades (notably FCMP++)—entering on technical pullbacks into strong support zones ($320-$340)—seems rational for investors anticipating market cap restoration post-regulatory jitters.

Long-Term (3+ years)

Secure privacy hedge: Monero’s design, tokenomics and technical resilience suggest a structurally differentiated asset, less correlated to major macro trends, and ideally suited for capital preservation in a world of increasing financial surveillance.

Monero Price Projections: 2025-2029

Is Now the Right Time to Consider Monero?

Monero’s credentials as the premier layer-1 privacy protocol are more compelling than ever: innovative cryptography, organisational decentralisation, robust community-driven funding, and persistent global demand despite adverse regulatory headwinds. The recent protocol upgrade cycle, growing decentralised adoption, and enduring market volume highlight that market conviction in XMR’s value proposition is not fading but strengthening.

A strategically timed position in Monero now seems to represent an excellent opportunity for forward-looking investors. Its fundamentals—spanning breakthrough privacy tech, an active and antifragile community, and an undervalued market cap relative to ecosystem capabilities—justify a renewed focus. Monero could well initiate another major bullish phase, especially as privacy emerges as a non-negotiable value in the digital economy.

For investors searching for asymmetric opportunities within the cryptoasset class, Monero’s unique blend of innovation, resilience, and adoption make it hard to overlook. The next protocol upgrade slated for Q2 2025 adds a crucial catalyst, while the well-defined support and resistance levels ($324 and $420) serve as clear technical guideposts. In a rapidly evolving macro environment, Monero stands out as a candidate for both dynamic portfolio growth and lasting strategic diversification.

Monero remains a high-volatility asset offering excellent scope for dynamic investment, yet requiring disciplined risk management. Its accelerated price action underlines Monero’s ability to produce swift, decisive moves—reminding investors that, though selectivity and caution are prudent, the current setup offers a compelling case for serious consideration within a diversified digital asset allocation.

How to buy Monero?

It’s simple and secure to buy Monero (XMR) online through a regulated crypto platform in New Zealand. As a retail investor, you can choose between two main methods: direct spot buying, where you actually own the Monero coins in your wallet, or trading Monero via crypto CFDs (Contracts for Difference), which lets you speculate on price movements without owning the actual coins. Each approach has its own advantages, fees, and risks. To help you make an informed decision, you'll find a detailed comparison of the main platforms available further down this page.

Spot Buying

Spot buying means purchasing real Monero (XMR) and holding it in your own crypto wallet—either on the platform or externally, like on a hardware wallet. This method gives you full ownership and control over your coins. Standard fees typically include a fixed transaction commission, generally ranging from 0.5% to 2% per trade, plus possible network fees, all billed in NZD.

Example

Let’s say you invest NZ$1,700 (approx. €1,000) when Monero is priced at US$324.68 (approx. NZ$526.00). With NZ$1,700, you can purchase about 3.23 XMR ($1,700 / $526), after deducting an estimated NZ$8 fee (about 0.5%).

• Gain scenario: If Monero gains +10%, your coins would now be worth NZ$1,870.
• Result: +NZ$170 gain (10% increase), minus transaction fees.

Trading via CFD

CFDs (Contracts for Difference) allow you to trade Monero’s price movements without actually owning the coin. You open a position with your broker, and you can use leverage to multiply your exposure. Fees include a spread (the difference between buy/sell price) and, for positions held overnight, ongoing financing costs.

Example

You open a CFD position on Monero with NZ$1,700 and 5x leverage.

• Exposure: Your position controls NZ$8,500 worth of Monero (NZ$1,700 × 5).
• Gain scenario: If Monero rises by 8%, your position earns 8% × 5 = 40%.
• Result: +NZ$680 profit (before fees), on your initial NZ$1,700.

Final Advice

Before you invest in Monero, carefully compare fees, security, and conditions across platforms. Your ideal method depends on your investment goals and experience: direct spot buying is best for those who want true ownership and longer-term holding, while CFDs offer more flexibility and leverage, but with higher risk and costs. For more details and to compare NZ-friendly platforms, see our comparative review further down the page.

Our 7 tips for buying Monero

The latest news about Monero

Monero remains technically bullish with upward momentum, supported by a robust global uptrend and strong trading volume. In the last seven days, XMR posted a weekly gain of 0.8%, supported by sustained daily trading volumes near $88 million and 24-hour volatility favorable to day traders (+1.1% intraday). Technical indicators—including a daily uptrend in moving averages and a confirmed bullish engulfing candlestick pattern—signal continued investor interest. The recent outperformance of XMR against BTC and the maintenance of critical support at $324 reinforce Monero’s resilience, making it an attractive asset for active market participants in New Zealand who rely on price momentum and liquidity.

The introduction of Monero’s FCMP++ upgrade enhances resistance to quantum attacks and improves transaction privacy. Although still under development, the FCMP++ protocol is widely reported as a major evolution, adding quantum resistance and next-generation forward secrecy to transaction security—features that can appeal to privacy-conscious users and institutions in regions like New Zealand, where data protection is prioritized and regulatory frameworks for digital asset privacy remain neutral. These technical advancements strengthen Monero’s global leadership as a privacy coin and may position it favorably for adoption in markets emphasizing robust security.

Despite global regulatory headwinds, Monero adoption remains strong, with increasing demand observable even in restrictive environments. The coin saw a 150% surge in Q2 2025, with growing market activity and consistently high on-chain usage, reaffirming sustained real-world demand for privacy-oriented digital assets. In New Zealand, where access to privacy coins has faced minimal restriction compared to the EU or US, local users benefit from broader availability and ongoing community engagement. These trends suggest Monero’s model remains viable in the NZ context and could even benefit as global regulatory tightening pushes demand for privacy into less restrictive markets.

Strategic partnerships and ongoing ecosystem development underline positive sentiment and long-term viability for Monero holders. A recent collaboration with Unstoppable Domains, allowing ".xmr" domain registration, demonstrates ongoing commitment to a decentralized ecosystem and user-friendly innovations. The partnership signals confidence in Monero’s relevance, augments the coin’s visibility among retail users, and provides new tools for peer-to-peer commerce—a potentially significant advantage in digitally savvy markets like New Zealand.

The majority of local exchanges in New Zealand continue to support Monero trading and custody, supporting domestic liquidity. While Monero faces delistings in Europe and on major global exchanges, there has been no indication in the past week of any New Zealand-based platform announcing Monero removal. Platforms such as Easy Crypto and independent local custody providers continue to facilitate Monero transactions, ensuring that NZ-based investors are not currently impacted by the global trend of decreasing XMR liquidity on centralized exchanges. This, combined with Monero’s robust on-chain technology and active community, is a constructive signal for NZ investors seeking privacy and portfolio diversification.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.