In 2025, approximately 10% of the adult population in the U.S. used or invested in cryptocurrencies, marking the highest level since 2022. This data is included in the Federal Reserve’s report on household economic well-being.
This is reported by Finway
Details of Cryptocurrency Use in the U.S.
The popularity of digital assets among Americans has increased, yet this level is still below the record 12% in 2021. According to Fed analytics, 9% of respondents chose cryptocurrency as an investment tool, another 2% used it for transactions, and 1% for sending money to friends or relatives. Particularly active in using cryptocurrencies were individuals without bank accounts: 6% of this category conducted transactions with digital assets, while among users of traditional banking services, this figure was only 2%.
“More than a quarter of cryptocurrency payment users stated that companies preferred to accept payments in digital assets themselves.”
Growth Factors and New Fed Leader
Among the main advantages of using cryptocurrency for transactions, respondents noted the speed of payments, privacy, and lower fees. At the same time, less than 10% of companies chose digital assets due to increased security or distrust of the traditional financial system.
The active development of payment infrastructure in the U.S. also contributes to the growing popularity of cryptocurrencies. In particular, Block, led by Jack Dorsey, expanded support for Bitcoin and stablecoin payments for over 800,000 merchants. Meanwhile, the startup Lightspark, founded by former PayPal president David Marcus, continues to implement payment solutions based on the Bitcoin Lightning Network.
Importantly, against the backdrop of increasing interest in digital assets, there have also been personnel changes at the Fed. Recently, the U.S. Senate confirmed Kevin Warsh as the new head of the agency following Jerome Powell’s term. Warsh is known for his positive stance on Bitcoin, comparing it to gold and calling it a tool of market discipline, especially for investors under 40.
Additionally, the administration of former U.S. President Donald Trump is currently preparing a new regulatory framework for the trade of tokenized securities.