Crypto Usage Among U.S. Adults Reaches Three-Year High in 2025
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In 2025, approximately one-tenth of U.S. adults reported using or investing in cryptocurrencies, marking the highest level of engagement in three years, according to a Federal Reserve report on household economic well-being. According to Cointelegraph, the report, released on Wednesday, indicates that around 10% of adults engaged with crypto for various purposes, an increase from the figures in 2023 and 2024. However, this still falls short of the 12% adoption rate recorded in 2021.
The report provides a detailed breakdown of crypto usage, including investment and payments, among Americans from 2021 to 2025. Expanding the use of Bitcoin (BTC) and other cryptocurrencies into everyday payments has been a significant focus for American payment companies. Jack Dorsey's Block, for instance, has facilitated Bitcoin and stablecoin payments for over 800,000 U.S.-based merchants. Additionally, Lightspark, a Bitcoin Lightning Network startup founded by former PayPal President David Marcus, is working to bring Bitcoin payments into the mainstream.
The survey revealed that around 9% of respondents use crypto as an investment vehicle, while only 2% utilize it for payments, and 1% for sending money to family or friends. Crypto usage was notably higher among the unbanked population, with 6% using it for transactions compared to 2% of banked adults. In 2025, approximately 6% of Americans were unbanked. More than a quarter of those using crypto for payments reported that businesses preferred crypto payments due to advantages like speed, privacy, and lower costs. However, less than 10% of businesses expressed a preference for crypto payments, citing reasons such as perceived safety over banks or distrust in the traditional banking system.
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