Why Would a Company Invest Part of Its Treasury in Cryptocurrencies Today (1) ?

Is your treasury bored ? Maybe it’s time it discovered Web3.

In 2025, in France the Livret A offers 2.4%, term accounts are capped at 2.8%… and inflation is hovering around 0.8%. In short: your treasury stagnates while your costs keep climbing.

Sure, crypto isn’t risk-free. But the idea isn’t to bet the company’s reserves on a Korean memecoin. It’s about exploring — under proper guidance — a partial diversification via regulated digital instruments (thank you, MiCA).

A small step for your treasury, a giant leap toward the future.

📊 Crypto, Stocks, Gold or Bonds: The Comparative Table

Investment	Avg. Return 2025	Risk	Liquidity	Taxation
Livret A	2.4%	Low	Immediate	Corporate Tax (IS)
Tokenized money market funds	3–4%	Low to Moderate	High	Depends on use / MiCA
Bonds	4.2%	Moderate	Medium	Corporate Tax (IS)
Gold / Real Estate	5–6%	Moderate	Low	Capital gains
Stocks	7–10%	High	Medium	Corporate Tax / CGT
Cryptos (diversified)	Highly variable	High	High	Specific (see DAC8)

Cryptocurrencies aren’t heaven or hell — they’re their own universe, with opportunities… and their own rules.

Accounting: Where Do Cryptos Go on the Balance Sheet ?

Thanks to the French accounting authority (ANC), the 2025 rules are clear:

• Stablecoins used as means of payment? → Account 512 (Cash equivalents)

• Tokens held for short-term resale? → Stock

• Tokens held long-term? → Fixed assets

👉 Everything depends on the intent of holding. No room for improvisation.

Crypto Taxation: Not Heaven, Not Hell — Just Specific

Crypto taxation depends entirely on usage:

• Recurring activity = Business income (BIC)

• Occasional investment = Possibly tax-neutral until realized

• Staking or airdrop rewards = Financial income

And in 2026, the DAC8 regulation will tighten reporting obligations and enhance transparency. Better to start building good habits today.

Brand Image: A Boost with Gen Z

Young tech talent wants meaning, innovation, and digital-native thinking.A company that understands Web3 sends a strong message:

→ “We’re not waiting for the future to arrive — we’re already on board.”

That is, as long as it remains coherent, well-structured, and strategic.

The Human Factor: Educate, Engage, Empower

Crypto treasury isn’t just a CFO’s matter. Teams need to understand the direction taken.

Some tips for getting it right:

• Demystify the subject: It’s still asset management.

• Host engaging workshops (e.g., open a demo wallet).

• Train HR and internal comms: They’re key allies.

Banks, Investors, Clients: What Will They Think of Your Crypto Strategy?

Poorly prepared, a crypto strategy can seem reckless. But well presented, it can hit the mark.

✅ Transparency, documentation, and traceability: these tools build confidence.

✅ Involving a PSCA (registered crypto provider) or trained accountant: essential.

→ In a post-MiCA world, crypto is no longer a reckless move — it’s a strategic decision that needs structure.

⬆️ If this resonates with you, we can support you —Not to invest in your place, but to guide you toward the right actors.

(No jargon. No buzzwords. And definitely no crypto bros in rollerblades.)

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