New Survey Finds 10% Of U.S. Adults Use Or Own Crypto

A new survey from the U.S. Federal Reserve has found that 10% of American adults used or owned cryptocurrencies such as Bitcoin (CRYPTO: $BTC) at the end of 2025. 

That was up from 7% of adults who were involved with cryptocurrencies at the end of 2024. 

The survey also found that spot Bitcoin and Ethereum (Crypto: $ETH) exchange-traded funds (ETFs) helped retail investors access digital assets.

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The Fed survey is based on a nationally representative sample of nearly 13,000 adults surveyed in October 2025.

While crypto use and ownership rose year-over-year in 2025, it remains below the 12% peak seen in 2022 prior to the implosion of cryptocurrency exchange FTX.

The latest data shows that most American adults held cryptocurrency as an investment, making “investment exposure” the largest participation category. 

Only a small share of people used Bitcoin and other crypto for payments or money transfers, according to the survey. 

The Federal Reserve has said previously that most Americans treat cryptocurrencies as a speculative investment rather than money. 

The new poll explicitly links the rebound in crypto participation to the rapid growth of spot Bitcoin and Ethereum ETFs, which created an on‑ramp for retail investors. 

Additionally, crypto use is most concentrated among adults under age 45 and households with incomes above the national average, a pattern that has held firm since the Fed began tracking digital assets in 2021. 

Younger, higher‑income Americans are more likely to report holding cryptocurrency as an investment, while lower‑income households are underrepresented among active investors.

Men are more likely to own Bitcoin, Ethereum, or other cryptocurrencies than women, the survey found. 

BTC is currently trading at $76,700 U.S.