Since the first digital blockchain currency was mined way back in 2009, Bitcoin millionaires have come, gone and come again. Since then, new crypto coins have flooded the market, with some — like Bitcoin itself — rallying 1,000%, 2,000% or even more.

In the midst of all of these incredible gains, the natural question is whether or not it’s too late to invest in cryptocurrency. Here are two expert takes on whether it’s time to buy or not.