Over 50 Million Americans Now Use Crypto — With Most Users Seeing Value, Study Finds

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.

Commissioned by the National Cryptocurrency Association and conducted by The Harris Poll, the 2025 State of Crypto Holders 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.

Crypto Isn’t Just for the Young or Rich Anymore

What’s striking is how ordinary these holders are, as they span all age groups, income levels, and types of jobs. 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.

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. 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.

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. 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.

Americans Want More from Crypto—And More Clarity

At the societal level, optimism runs high. Respondents believe cryptocurrency can promote financial inclusion, improve transparency and enhance the speed and security of transactions. Many support the US taking a leadership role in the space and welcome regulation—though 67% worry that overly strict rules could stifle innovation.

Of course, challenges remain. Security concerns top the list of obstacles to adoption, with 75% expressing at least some worry about scams. 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.

Still, the hunger to learn more is strong. 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.

Put simply, crypto isn’t just a trend anymore—it’s gone mainstream. For millions of Americans, it’s more than just an investment; it’s becoming part of everyday life.