Structured Settlements to Crypto DeBunko!
What if you sold your structured settlements for crypto last month? Note this is not a question for roller coaster riders!
On November 4, 2025 I published an in depth must read post on Structured Settlements4Real blog examining an ongoing effort to solicit structured settlement payees to trade structured settlements for pennies on the dollar and invest the proceeds in crypto. Over the last 13 years Bitcoin, for example has had a standard deviation of about 150%. Standard deviation is a measure of volatility (and extreme volatility at that). The risk strategy is not suitable for many people and it may not be possible to “put the genie back in the bottle” if you are seduced by the folks that are well meaning but may not have financial licenses or relevant professional credentials.
Here is a link to the November 4 blog
Bitcoin: Understanding Its High Volatility Risks - Structured Settlements 4Real®Blog 2025
Now let’s summarize Bitcoin and the wider crypto market to date just on November 2025 to date. Keep in mind the lens here is injury victims.
📉 Bitcoin’s Sharp Decline
Bitcoin is on track for its worst monthly drop since June 2022.
On Friday alone, its price fell 6.4%, briefly dipping below $82,000.
Overall, Bitcoin has lost about 23% in November, echoing the steep declines seen during the TerraUSD and FTX collapses in 2022. briefly, for those who are unfamiliar with FTX, FTX’s downfall in 2022 revealed an $8 billion shortfall in customer funds. Sam Bankman-Fried (SBF), the founder of FTX, was charged with wire fraud, securities fraud, and money laundering and SBF is current serving 25 years jail sentence. SBF has recently appealed his sentence.
🌐 Broader Market Impact
The sell-off reflects wider uncertainty in the crypto market, with total market capitalization shrinking sharply.
Other major cryptocurrencies also saw significant single-day losses:
Ether dropped 7.6% to under $2,700.
XRP, BNB, Solana, and Dogecoin each fell between 8–10%.
⚠️ Why It Matters
The downturn highlights the volatility and risks inherent in crypto investing.
Analysts are concerned this could signal deeper instability in the market, reminiscent of past crashes.
When you sell your structured settlement the absolute best you can receive is pennies on the dollar before you even start crossing the “structured settlement to crypto” bridge. As a plumber might say “same poop, only the depth varies”.