Roughly 55 million US adults presently personal crypto, and a considerable majority of them say digital belongings have improved their lives, based on the 2025 State of Crypto Holders Report commissioned by the Nationwide Cryptocurrency Affiliation.
The survey, performed by The Harris Ballot, discovered that about 21% of the US inhabitants owns crypto, and 76% of the holders consider their expertise with digital belongings has had a constructive private influence.
The ballot surveyed 53,805 US adults to establish a consultant pattern of 10,000 present crypto holders. It’s the largest survey to this point and displays a broad demographic vary.
The survey revealed that 67% of holders had been below 45 years outdated, whereas 15% had been over the age of 55, significantly completely different from a number of years in the past, when these over the age of 45 had been represented in a single-digit proportion.
In the meantime, gender disparity can also be falling, with girls accounting for 31% of crypto holders, in comparison with males accounting for 67% of holders.
Possession additionally grew throughout all earnings ranges, with households incomes lower than $75,000 yearly now accounting for 26% of crypto-owning households. The report highlighted that the low bar of entry had helped adoption within the lower-income teams.
Past funding
The report highlighted that crypto use just isn’t restricted to funding. About 39% of holders use it to make purchases, and 96% of these accomplish that not less than every year. Moreover, 31% use crypto to ship cash to household or buddies, and 31% settle for it as cost in enterprise transactions.
Half of all respondents stated they had been first drawn to crypto by curiosity in regards to the know-how, whereas 60% cited investing of their monetary future as the first motivation for entry.
The report additionally confirmed a diversified sample of holdings. Whereas 11% of holders personal over $100,000 in crypto, 55% have portfolios valued below $10,000, and 15% maintain lower than $500.
Essentially the most generally identified tokens embrace Bitcoin (99%), Ethereum (91%), and Dogecoin (91%). Nonetheless, precise utilization is concentrated in a smaller group, with Bitcoin held or utilized by 85% of the respondents, whereas Ethereum was held or utilized by 58%.
Relating to societal advantages, 45% of respondents consider crypto promotes monetary inclusion and reduces poverty, and the identical proportion cited improved digital transaction infrastructure.
Others pointed to its position in advancing know-how (38%) and selling sustainable monetary practices (38%).
Myriad profiles
In accordance with the survey, respondents expressed sturdy curiosity in continued schooling, with 81% saying they need to study extra about digital belongings.
Widespread areas of curiosity embrace funding methods (47%), tax implications (39%), blockchain know-how (38%), and security practices (38%). The highest sources of data had been YouTube and conventional media shops.
Whereas issues stay, significantly round scams, volatility, and tax complexities, solely 3% of holders reported detrimental experiences. Out of the three% detrimental experiences, about 30% concerned fraud or safety breaches.
In the meantime, 49% of respondents stated crypto elevated their monetary independence, and 45% reported private progress attributable to their engagement with the asset class.
Moreover, the vast majority of respondents view regulation favorably, with 64% supporting authorities oversight of the sector.
On the identical time, 67% warned that poor regulatory design might stifle innovation, whereas 73% stated they want to see the US take a world management position in crypto improvement.
The report concluded that US crypto holders view digital belongings as personally useful and structurally transformative. They categorical optimism about crypto’s position in monetary techniques and stay actively engaged in increasing their understanding and participation.
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