A new survey shows that over 50m American adults now own cryptocurrency, showing just how deeply crypto has entered everyday financial life in the US.
Report paints a picture of a diverse and growing user base—far removed from the stereotypical “crypto bro.” According to the report, 21% of US adults, or about 55m people, own some form of crypto.
While two-thirds are under 45, nearly 9m are over 55. From construction workers to healthcare professionals, crypto is no longer a niche investment—it’s part of everyday life.
What’s striking is how ordinary these holders are, as they span all age groups, income levels, and types of jobs.
Others use it to send money to family, participate in online gaming, or run global businesses. For many people, crypto isn’t just for investing. It’s something they use in everyday life.
And it’s being used that way. A sizable 39% of holders have used crypto to pay for goods and services, with 96% of that group doing so at least once a year.
More than half use crypto to invest in their future, while others see it as a way to diversify income or tap into global economies.
The appeal goes beyond convenience. Three out of four holders (76%) say crypto has had a positive impact on their lives, citing benefits such as greater financial independence, access to new learning opportunities, and a sense of participation in a cutting-edge movement.
Many support the US taking a leadership role in the space and welcome regulation—though 67% worry that overly strict rules could stifle innovation.
At the societal level, optimism runs high. Respondents believe cryptocurrency can promote financial inclusion, improve transparency and enhance the speed and security of transactions.
Yet actual negative experiences are rare—only 3% reported any form of fraud or loss. Instead, barriers like lack of funds, price volatility, and confusion around taxes tend to limit greater participation.
A full 81% of cryptocurrency holders say they want to deepen their understanding of digital assets, with many turning to YouTube, news outlets, and expert commentary for guidance.
Of course, challenges remain. Security concerns top the list of obstacles to adoption, with 75% expressing at least some worry about scams.