The landscape of cryptocurrency ownership in the United States is evolving rapidly — and the 2025 State of Crypto Holders Report offers the most comprehensive look yet at who owns crypto, how they use it, and why it matters. Based on a landmark survey of 10,000 U.S. crypto holders conducted by The Harris Poll for the National Cryptocurrency Association, this report reveals a surprising truth: crypto is no longer a niche interest for tech elites or speculative traders. It’s becoming a mainstream financial tool embraced by everyday Americans.
With one in five U.S. adults — approximately 55 million people — now owning some form of cryptocurrency, digital assets are firmly embedded in the national financial fabric. This shift reflects broader trends in technology adoption, financial innovation, and consumer behavior.
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The Crypto Holder Next Door
Gone are the days when “crypto bros” defined the community. Today’s crypto owners reflect the diversity of America itself. They span all age groups, income levels, industries, and regions.
- 67% of crypto holders are men, but 31% are women, with the remainder identifying as other or preferring not to answer.
- While ownership skews younger — 67% are under 45 — a significant 15% are over 55, representing nearly 9 million older Americans actively participating in the digital economy.
- Contrary to assumptions about wealth concentration, 26% of crypto-owning households earn less than $75,000 annually.
- The largest professional group comes from construction (12%), followed by technology (14%), finance (7%), and healthcare (6%).
Breaking Down Ownership by Value
Crypto ownership isn’t limited to high-net-worth individuals. In fact, most holdings are modest:
- 55% hold less than $10,000 worth of crypto
- 15% have less than $500
- Only 11% own more than $100,000 in digital assets
This accessibility underscores one of crypto’s defining features: low barriers to entry. You don’t need a six-figure salary or Wall Street connections to get started.
Regional Breakdown of Crypto Holders
Geographically, crypto adoption is widespread:
- West: 26%
- South: 39%
- Northeast: 18%
- Midwest: 17%
The South leads in ownership, possibly due to a mix of population growth, tech adoption, and economic diversification.
Using Crypto in Everyday Life
One of the most striking findings? 39% of crypto holders use it to purchase goods and services — and 96% of them do so at least once per year.
From online shopping to peer-to-peer payments, crypto is increasingly functioning as real money. Common use cases include:
- Sending money to family (31%)
- Accepting payments for business (31%)
- Participating in decentralized gaming (20%)
- Buying digital art and NFTs (21%)
- Purchasing real estate via tokenization (15%)
And the momentum is growing: 52% say they’re most interested in using crypto to invest in their financial future over the next 2–3 years.
How Often Do People Use Crypto for Purchases?
- Daily: 9%
- Weekly: 22%
- Monthly: 22%
- 1–4 times per year: 24%
- 5–10 times per year: 19%
- Never: 4%
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Crypto’s Many Benefits
Beyond speculation, users report tangible personal and societal benefits.
Personal Impact
A strong 76% say crypto has had a positive impact on their lives — with 46% calling it “very positive.” Key reasons include:
- Increased financial independence (49%)
- Opportunities for learning and growth (45%)
- Diversification of investments
- Sense of achievement from gains
- Fun and excitement from innovation
“I didn’t realize how much you could actually do with crypto.”
— Focus group participant, November 2024
Societal Advantages
Respondents also see broader potential:
- 45% believe crypto promotes financial inclusion and reduces poverty
- 45% cite enhanced digital transactions
- 38% highlight technological innovation
- 38% point to sustainable economic practices
- 33% emphasize global trade and cooperation
Integration with major platforms like PayPal and Visa is seen as a sign of legitimacy and progress.
Boosting the Global Financial System
Crypto holders view digital assets as complements — not replacements — to traditional finance.
- 76% trust crypto as much as or more than banks
- 45% believe it reduces transaction costs
- 44% see improvements in speed and efficiency
- 44% value increased transparency and security
There’s also strong support for U.S. leadership in the space:
- 73% want America to be a global crypto leader
- 64% believe government regulation is important
- But 67% worry regulation could stifle innovation
“Regulation gives the industry a chance to show it’s credible… but it has to be smart regulation that doesn’t strangle innovation.”
— Industry stakeholder
First Steps: How People Enter Crypto
Curiosity and connection drive initial adoption.
Top motivations for acquiring crypto:
- Investment in financial future (60%)
- Curiosity about technology (50%)
- Recommendation from friends/family (43%)
- Interest in blockchain (38%)
- Market trends or inflation concerns (36%)
Notably, influencer endorsements played a role for only 20%, suggesting trust still lies more with personal networks than celebrity hype.
Top Barriers to Entry
Despite enthusiasm, several obstacles remain:
Primary Concerns Preventing Greater Adoption:
- Fear of volatility (15%)
- Lack of funds (15%)
- Security concerns (13%)
- Tax implications (10%)
- Limited business acceptance (9%)
- Public misunderstanding (8%)
While 75% express concern about scams, only 3% report negative experiences, and fewer than a third of those experienced actual fraud. Meanwhile, 35% cite decentralization as a source of security and peace of mind.
Thirst for Knowledge
Education is a top priority.
- 81% want to learn more about crypto
- 40% consume crypto news daily
- Preferred sources: YouTube (60%), traditional media like The New York Times (40%), expert commentary over forums like Reddit or Discord
Top knowledge gaps:
- Tax implications (39%)
- Investment strategies (47%)
- Blockchain technology (38%)
- Security measures (38%)
- Safeguarding against scams (36%)
“I feel like there aren’t as many educational tools around crypto — you’ve really got to go and do your research.”
— Survey respondent
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Popularity and Knowledge of Top Tokens
Familiarity with major cryptocurrencies is high:
| Token | Awareness | Ever Used |
|---|---|---|
| BTC (Bitcoin) | 99% | 85% |
| ETH (Ethereum) | 91% | 58% |
| DOGE (Dogecoin) | 91% | 48% |
| USDC (USD Coin) | 87% | 44% |
| SOL (Solana) | 74% | 28% |
| XRP (XRP) | 67% | 23% |
These tokens represent diverse use cases — from decentralized apps (ETH), fast payments (XRP), stable value (USDC), gaming/NFTs (SOL), and community-driven projects (DOGE).
Key Takeaways
- Crypto is mainstream: Over 55 million Americans own digital assets — cutting across age, income, and geography.
- Used beyond investing: Nearly 40% use crypto for shopping; others for sending money, gaming, and art.
- Positive personal impact: Three-quarters report improved financial well-being and optimism about the future.
- Security concerns exist but are rarely realized: While fears are common, actual fraud experiences remain low.
- Demand for education is high: Users seek reliable, expert-driven information on taxes, security, and real-world use.
- Support for innovation with oversight: Most want smart regulation that protects users without stifling progress.
Frequently Asked Questions (FAQ)
Q: How many Americans own cryptocurrency?
A: Approximately 21%, or one in five U.S. adults — about 55 million people — own some form of cryptocurrency.
Q: What do people use crypto for besides investing?
A: Common non-investment uses include making purchases (39%), sending money to family (31%), playing decentralized games (20%), buying digital art (21%), and accepting business payments (31%).
Q: Is crypto safe for everyday use?
A: While 75% express security concerns, only 3% report negative experiences. Many users appreciate the security offered by decentralized systems.
Q: Do I need a lot of money to start using crypto?
A: No. Over half (55%) of holders have less than $10,000 in crypto, and 15% have less than $500. Many platforms allow purchases starting at just a few dollars.
Q: Which cryptocurrencies are most popular?
A: Bitcoin (BTC) leads in awareness and usage, followed by Ethereum (ETH), Dogecoin (DOGE), USD Coin (USDC), Solana (SOL), and XRP.
Q: How can I learn more about crypto safely?
A: Trusted sources include YouTube educational channels, major news outlets like The Wall Street Journal, and official exchange resources. Avoid relying solely on social media influencers or unverified forums.