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Crypto adoption is growing at very different speeds around the world, even though blockchain networks themselves are designed to be borderless, according to PricewaterhouseCoopers (PwC)
In its Global Crypto Regulation Report 2026, the accounting firm said the way people use crypto is becoming increasingly uneven across regions, describing it as a fragmented global ecosystem
PwC said local economic conditions, access to financial services, and the strength of existing financial infrastructure continue to determine whether crypto becomes a daily utility or a niche investment tool.
The report comes as crypto adoption has accelerated in the US, helped by a Trump-era shift towards a more supportive stance on digital assets, which has encouraged institutions to launch products tied to cryptocurrencies and stablecoins.
PwC said that while crypto networks do not stop at borders, adoption does.$BTC
The firm pointed to payments, remittances, savings, capital markets, and tokenisation as key use cases, but noted that their development is not happening evenly across the globe.
In some markets, crypto is increasingly connected to everyday financial needs, such as moving money quickly, sending funds across borders, or holding value outside traditional systems.
In other regions, the focus is more on capital markets innovation, with digital assets being used as part of institutional products and tokenised structures.
PwC said these differences are shaped by national conditions, including how stable local currencies are, how easily consumers can access banking services, and how mature a country’s payment and settlement infrastructure is.This, the firm argued, has led to a fragmented crypto economy where the same technology is solving “very different problems” depending on the market.
Trump-era policy boosts US institutional confidence
PwC’s report comes amid faster uptake of blockchain and crypto in the US, driven by a policy environment seen as more supportive of the sector.The firm said the crypto-friendly Trump administration has given institutions greater confidence to build and launch products linked to cryptocurrencies and stablecoins.
That shift has helped accelerate adoption in the US, especially among large financial firms that had previously hesitated due to legal uncertainty.PwC said regulatory progress has played a key role in shaping the market’s direction, allowing institutions to move beyond limited pilots and into deeper integration.However, some analysts remain cautious about the political dimension of this momentum.#CPIWatch #GROTH #Bi4nanceAltcoins