Crypto Adoption in the U.S. Soars to 55 Million Users in 2025

The 2025 State of the Crypto Holders Report reveals that 55 million American adults are now embracing digital assets, a sign of growing trust and enthusiasm across diverse demographics.

• 55 million American adults engaged with digital assets
• Broad demographic reach across age, gender, and income
• High trust in crypto, yet support for regulation with innovation concerns

Conducted by the National Cryptocurrency Association (NCA) in partnership with Harris Poll, this comprehensive report showcases the dynamic landscape of cryptocurrency. Stuart Alderoty, President of the NCA, emphasizes the broad appeal:

“People from all backgrounds are engaging with crypto in many ways, and they’re already benefiting from it today.”

The report’s findings shatter the myth that crypto is only for the young and tech-savvy. With 67% of holders under 45 and a notable 15% over 55, it’s clear that age is no barrier to embracing this digital revolution. Moreover, 31% of holders are women, defying the stereotype of a male-dominated space.

But what drives these millions to dive into crypto? It’s not just about chasing wealth. The allure of personal growth, the excitement of new technology, and the satisfaction of investment gains are significant motivators. This broad appeal draws in folks from varied sectors, with 12% from construction and 7% from financial services. The income spectrum is equally diverse, with 42% of crypto owners earning over $150,000 annually and 26% earning under $75,000, proving that crypto isn’t just for the wealthy elite.

Trust in crypto is soaring, with a remarkable 76% of users believing in digital assets as much or more than traditional banks. This confidence signals a strong belief in the potential of the secure system behind cryptocurrencies to transform our financial landscape. However, the path forward isn’t without challenges. While 64% support government regulation, 67% worry it might stifle the innovation that fuels crypto’s excitement. Navigating this regulatory tightrope is crucial if the U.S. hopes to lead in the crypto and blockchain space, a goal supported by 73% of users. The impact of regulation on crypto innovation remains a topic of intense debate.

Beyond mere investment, crypto is making its mark in everyday life. A significant 39% of users are actively buying goods and services with crypto, with 9% doing so daily. The world of NFTs and online games where players control the rules is thriving, with 32% trading NFTs and 20% engaging in gaming. And don’t overlook the 15% using crypto for real estate transactions, illustrating just how versatile these digital assets can be.

The transformative power of crypto is evident. A solid 45% believe it can enhance financial inclusion and combat poverty, while 38% see it driving innovations in digital transactions. And 33% expect it to boost international trade, indicating a future where crypto isn’t just a niche interest but a force for global economic change.

Looking ahead, the focus is on making crypto more accessible, secure, and educational. With 55 million users already on board, the crypto revolution in the U.S. is well underway. While we champion decentralization and disrupting the status quo, we can’t ignore the challenges and the need for a balanced approach to regulation and innovation. After all, as the saying goes, with great power comes great responsibility—or in this case, with great adoption comes great regulatory scrutiny.

Key Takeaways and Questions

• What is the current level of crypto adoption in the U.S.?

  55 million American adults are currently using digital assets, indicating significant growth in adoption.

• How diverse is the demographic of crypto holders in the U.S.?

  Crypto adoption spans various demographics, with significant representation from different age groups, genders, and income levels, challenging the stereotype of a narrow user base.

• What are the primary reasons Americans are adopting crypto?

  Reasons include learning opportunities and personal growth, excitement about new technology, and a sense of achievement from investment gains, highlighting the multifaceted appeal of crypto.

• How is crypto being used beyond investing?

  Users are buying goods and services, trading NFTs, participating in online games where players control the rules, and using crypto for real estate transactions, showcasing its versatility beyond mere investment.

• What is the level of trust in crypto among U.S. holders?

  76% of users trust crypto as much or more than traditional banks, reflecting a high level of confidence in digital assets.

• What are the views on regulation among crypto holders?

  64% support regulation, but 67% fear it could stifle innovation, indicating a complex relationship with government oversight.

• What are the expectations for the future role of crypto in the U.S.?

  Expectations include improving financial inclusion, driving innovation in digital transactions, and enhancing international trade, pointing to a transformative potential for crypto in the financial landscape.