New Study Reveals 55 Million U.S. Adults Embrace Cryptocurrency in Everyday Life

A new report released today by the National Cryptocurrency Association (NCA) sheds light on the widespread adoption of digital assets across the United States. Titled the 2025 State of the Crypto Holders Report, this study stands as the largest of its kind, surveying 10,000 American cryptocurrency users in collaboration with Harris Poll.

The findings indicate that approximately 55 million adults in the U.S. are now engaging with crypto, representing 21% of the adult population. Even more striking, 76% of these individuals report that Bitcoin and cryptocurrency has positively influenced their lives, signaling a shift in how Americans perceive and utilize this technology.

The data paints a diverse picture of crypto users, challenging long-held stereotypes. While the majority of holders, 67%, are under 45 years old, a notable 15% are over 55, proving that interest spans generations. Gender dynamics also defy expectations, with women making up 31% of crypto owners, dispelling the notion that this space is exclusively male dominated.

Occupationally, crypto holders are more likely to work in construction, at 12%, than in financial services, which accounts for just 7%. Income levels vary widely as well. Although 42% of users earn over $150,000 annually, 26% come from households making less than $75,000, and 40% hold less than $5,000 in digital assets. These insights reveal that cryptocurrency appeals to a broad cross-section of society, from high earners to everyday workers.

Trust and Optimism Fuel Crypto’s Rise

Confidence in crypto runs deep among its users, with 76% expressing trust in it that matches or exceeds their faith in traditional banking systems. This trust is paired with a forward-looking optimism, as 73% of respondents hope to see the U.S. emerge as a global leader in the crypto space.

The report also highlights a nuanced stance on crypto regulations. While 64% support government oversight, 67% caution that excessive rules could stifle innovation, reflecting a desire for balance. Beyond financial gain, users value crypto for personal growth opportunities, cited by 45%, and the excitement of participating in a cutting-edge field, also noted by 45%. A sense of achievement from investment returns resonates with 44% of holders, underscoring the multifaceted benefits they experience.

The study delves into how Americans are integrating crypto into their lives. More than half, 56%, first acquired digital assets between 2020 and 2025, driven primarily by investment potential, at 60%, and curiosity about the technology, at 50%.

Recommendations from family and friends influenced 36% of users, highlighting the role of social networks in adoption. Practical use is also on the rise, with 39% of owners using crypto to buy goods and services. Of those, 96% make such purchases at least annually, and 9% do so daily. Other applications include decentralized gaming, favored by 20%, trading NFTs, at 32%, and even purchasing real estate, noted by 15%. This versatility underscores crypto’s growing presence beyond mere speculation.

Education remains a priority for users, with 81% eager to learn more about the industry. Daily engagement with crypto related news is common for 40% of holders, who seek insights on investment strategies, legal developments, security, blockchain technology, and tax implications.

The NCA, a nonprofit dedicated to demystifying crypto, views these findings as a call to action. Stuart Alderoty, the organization’s president, emphasized the importance of supporting this diverse community. He noted that the data reflects real people from all walks of life benefiting from crypto today while remaining enthusiastic about its future.