Roughly 55 million US adults at the moment personal crypto, and a considerable majority of them say digital belongings have improved their lives, in response to 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 imagine their expertise with digital belongings has had a optimistic 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 so far and displays a broad demographic vary.
The survey revealed that 67% of holders have been beneath 45 years previous, whereas 15% have been over the age of 55, significantly completely different from just a few years in the past, when these over the age of 45 have 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 will not be restricted to funding. About 39% of holders use it to make purchases, and 96% of these accomplish that at the very least yearly. Moreover, 31% use crypto to ship cash to household or associates, and 31% settle for it as cost in enterprise transactions.
Half of all respondents mentioned they have been first drawn to crypto by curiosity concerning 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 beneath $10,000, and 15% maintain lower than $500.
Probably the most generally recognized tokens embody 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%.
Concerning societal advantages, 45% of respondents imagine crypto promotes monetary inclusion and reduces poverty, and the identical proportion cited improved digital transaction infrastructure.
Others pointed to its function in advancing know-how (38%) and selling sustainable monetary practices (38%).
Myriad profiles
In keeping with the survey, respondents expressed robust curiosity in continued schooling, with 81% saying they need to be taught extra about digital belongings.
Fashionable areas of curiosity embody funding methods (47%), tax implications (39%), blockchain know-how (38%), and security practices (38%). The highest sources of data have been YouTube and conventional media shops.
Whereas issues stay, notably round scams, volatility, and tax complexities, solely 3% of holders reported adverse experiences. Out of the three% adverse experiences, about 30% concerned fraud or safety breaches.
In the meantime, 49% of respondents mentioned crypto elevated their monetary independence, and 45% reported private development as a consequence of 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 similar time, 67% warned that poor regulatory design may stifle innovation, whereas 73% mentioned they wish to see the US take a worldwide management function in crypto growth.
The report concluded that US crypto holders view digital belongings as personally helpful and structurally transformative. They categorical optimism about crypto’s function in monetary techniques and stay actively engaged in increasing their understanding and participation.
