More than 50 million Americans now hold digital assets, and the majority say it’s been a positive force in their lives.
That’s the takeaway from a sweeping new study commissioned by the National Cryptocurrency Association, based on responses from over 50,000 adults and a focused sample of 10,000 crypto users.
Younger generations dominate the crypto space, with nearly seven in ten holders under the age of 45. Older adults, once a rare sight in the crypto crowd, are now more visible—15% are over 55. Women now represent nearly a third of the market, and ownership is spreading across all income groups, including those earning less than $75,000 annually.
Crypto isn’t just being used to speculate on prices. Around 40% of holders use it to shop or pay for services at least once a year. Others send funds to friends and family or use it in their businesses. While some entered the space out of curiosity, the majority were driven by the hope of long-term financial growth.
Portfolio sizes vary significantly: some hold six-figure amounts, but more than half have less than $10,000 invested. Bitcoin remains the dominant asset, with Ethereum trailing behind. Despite near-universal awareness of popular tokens, actual ownership is more selective.
Many respondents associate crypto with broader benefits—such as financial inclusion, better digital infrastructure, and innovation in financial practices. Over 80% want to keep learning about the space, particularly investment strategies, blockchain tech, and safe usage practices. Most turn to YouTube or traditional media for insights.
Although scams and volatility remain concerns, bad experiences are rare—only 3% reported them, with fraud being the main issue among that group. For many, crypto has been empowering: nearly half said it increased their financial freedom or contributed to personal development.
Regulation is seen as necessary but delicate. Most support oversight, but worry that excessive control could choke innovation. A strong majority hope the U.S. will lead the global conversation on digital asset development.
Ultimately, the study paints a picture of a fast-evolving, diverse community that views crypto as more than a fad—it’s a tool for growth, both personal and structural.
Alexander Stefanov
Reporter at Coindoo
Alex is an experienced finance journalist and a cryptocurrency and blockchain enthusiast. With over 8 years of experience covering the crypto, blockchain and fintech industries, he deeply understands the complex and constantly evolving world of digital assets. His insightful and thought-provoking articles provide readers with a clear picture of the latest developments and trends in the market. His passionate approach allows him to break down complex ideas into accessible and insightful content. Follow up on his content to be up to date with the most important trends and topics.
Source: https://coindoo.com/digital-assets-go-mainstream-millions-of-americans-embrace-crypto/