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A person is climbing up to the investing curve that's going up.
Kiersten Essenpreis for Money

This article is part of Money's January 2022 digital cover, which features 22 ways to make 2022 the best money year of your life. Browse all 22 articles here.

For every investor profiting off a business poised to become the Next Big Thing, there are countless others getting burned by SquidGame digital tokens, fake Elon Musk Twitter accounts or another wannabe high-flyer that either implodes or turns out to be a scam.

Some of the most popular investment opportunities around exist in the worlds of cryptocurrency and decentralized finance (DeFi). But creators have run into a major stumbling block on the path to profitability: When pretty much anyone can pitch in on building new digital infrastructure, there’s a good chance that some of those participants will inadvertently (or deliberately) mess things up.

As we head into 2022, here are the high-risk investing trends that people will be talking about non-stop, and what you need to know about each of them.