Managing Risk During Floods: Don't Use Your Emergency Fund to Trade Bitcoin. A Safe Guide to Trading Crypto from Home in 2026
Between September 25 and 29, 2026, floods in Bangkok and 26 other provinces caused more than 12.283 billion baht in economic damage, with Bangkok alone accounting for 57% of the total. On social media, more than 167,000 posts mentioned the floods, generating over 40 million engagements in less than two weeks. One of the most-shared sentiments was “people have to help each other,” a reminder that during floods we need to be as self-reliant as possible, including with our finances and investments, which shouldn't have to stop just because we can't leave home. This article explains how to trade Bitcoin and digital assets from home during floods safely, legally and without missing market moves.
3 Things to Check Before Trading Crypto During a Flood
Floods may keep you at home, but the crypto market trades 24/7 and never takes a break. Before you open a trading app at home, make sure you have these three things covered.
1. Prepare backup power and internet before the water arrives
During floods, electricity may be cut in some areas for safety, and internet connections can become unstable. Keep your power banks fully charged, and prepare a backup phone or a spare data SIM from a different carrier in advance, so you don't miss important market moves if the power or internet suddenly goes out.
2. Use a platform licensed by the Ministry of Finance and supervised by the Thai SEC
Before choosing a trading app, make sure the platform is properly licensed by the Ministry of Finance to operate a digital asset business and supervised by the Thai SEC. You can check the list of licensed operators directly on the SEC website, so you can be confident your money and data are protected under Thai law.
3. Manage your risk and never trade with your emergency fund
Floods can bring extra emergency costs, such as home repairs or moving belongings. Always keep your emergency fund separate from your investment money, and trade only with money you can afford to risk, because digital assets are highly volatile and you could lose your entire principal.
Comparison: Platforms licensed by the Ministry of Finance and supervised by the Thai SEC vs unlicensed foreign platforms
| Comparison | Licensed platforms supervised by the Thai SEC | Unlicensed foreign platforms |
|---|---|---|
| Protection under Thai law | Yes, supervised by the Thai SEC | No, legal action is difficult if problems arise |
| Safekeeping of customer assets | Customer assets kept separate from company assets as required by law | Depends on each company's own policy and is hard to verify |
| Contact and complaints | Office in Thailand; complaints can be filed with the Thai SEC | Usually hard to reach, with no office in Thailand |
| Tax filing documents | Documents can be issued | You handle it yourself, with higher risk |
Warning: Cryptocurrencies and digital tokens are highly risky. You may lose your entire investment. Please study and invest according to the level of risk you can accept.
Invest with Confidence, Even During a Flood
Floods can put many plans on hold, but monitoring and managing your portfolio doesn't have to stop too. As long as you prepare backup equipment, choose a properly licensed platform and manage your risk carefully, you can trade crypto and keep track of your portfolio from home with peace of mind.
With our care and best wishes for everyone's safety, Maxbit, an application supervised by the Thai SEC
