According to a new report.
While Bitcoin (BTC) and Crypto News have focused on politics and institutions lately, showing that government policy has been increasingly accepting and traditional financial avenues like ETFs being the tail which is remursery the “Crypto Dog”, a new report is focused on the other side of the digital play.
The National Cryptocurrency Association (NCA) “2025 State of Crypto” “State of Cryptocurrency” report in May 2025 reveals that the crypto face in America is no longer a faded technological brother or Wall Street Savant; He is a construction worker in Oklahoma, an artist in Chicago, a grandmother in Kansas and 55 million everyday Americans using crypto to buy, save and send money at home. The Harris survey conducted the investigation, capturing the votes of 10,000 crypto owners of 54,000 adults interviewed.
The data reveal an adoption of surprisingly wide cryptography through age, sex, income and professional lines and calls into question the idea that the property of cryptography is the competence of the blockchain elite.
Crypto is the new normal
“The crypto is for everyone,” said Ali Tager, vice-president of communications at NCA, at Cointelegraph during an interview with Bitcoin 2025 in Las Vegas.
According to the report, one in five, 21%, now has at least one form of cryptocurrency. The implications both for the account of the industry and for the decision -makers are deep.
Tager said that most of the crypto adoption stories do not imply the lamborghini and diets rich in wealth, but are often on practical, often transformative uses. This data -based portrait questions stereotypes and reappears the debate on cryptography on financial inclusion, practical adoption and a more intelligent regulatory request.
Many American crypto holders already integrate digital assets in their daily lives. Some 39% of the cryptographic investors of the survey used the crypto to pay goods and services. Among these crypto buyers, 96% used it at least once a year, with 22% doing it every week. And 31% said they had sent a crypto to the family as an alternative to traditional transfer channels.
Recent: Has Bitcoin been captured by politics and institutions?
The most common motivation to enter crypto is the investment, cited by 60% as the first pilot. However, curiosity for blockchain itself (50%) and practical uses such as online purchases (27%) have also ranked.
“The crypto is no longer a novelty,” said Tager. “For many, it’s a better way to do what they are already doing, whether purchases, paying bills or sending money to dear beings.”
The NCA report is mainly aligned with an analysis of the previous industry
Previous reports of the analysis chain, Messari And A16ZCRYPTO takes care of a large part of the NCA conclusions in its report, at least directionally. All reports are suitable that adoption increases, but determining the exact statistical composition is always a challenge.
The 55 million owners of the NCA, on the basis of a Harris survey from 54,000 adults, seems robust, but Harris’ online panels can overestimate adoption, in particular when a Messari 2025 Petilla report world active users at 30 million at 60 million, alluding to speculative inflation.
The various owners of the NCA, according to Harris data, include a set of data showing 31% of women with a crypto. However, if the online survey was used, it could distort results for warned technology groups, competing with a chain chain report at the end of 2024 showing 70% of the American elite transfers.
It is neither to suggest that adoption by women or non-elites does not develop or minimize the effort of the interrogation of 10,000 cryptos holders in the United States to obtain a better statistical basis for the analysis. It is only a question of suggesting that reproducible surveys should be produced in order to consolidate confidence in the results of the NCA report.
The adoption of the crypto sees a demographic change
The report of the NCA stresses that the possession of crypto is much more diverse than often represented. While 67% of holders are men, 31% are women and nearly 17 million American women are engaged with digital assets. Regarding age, 67% of crypto owners are under 45, but almost 9 million are over 55, defying the story that crypto is purely a youth game.
“We heard a cattle breeder in Kansas using blockchain to follow the origin of beef, a single mother in Texas learning to exchange crypto to win financial freedom. These are the stories that count,” said Tager. “They do not continue Lamborghinis; They use crypto for real reasons that change life. ”
Recent: The RWA tokens market increased by 260% in 2025 while companies adopted the regulation of the crypto
The NCA report underlines the alleged potential of crypto to level the rules of the financial game. Some 45% of crypto holders considered digital assets as a force for financial inclusion and poverty reduction, while 38% cited their role in promoting technological innovation and sustainable economic practices.
Cryptographic concerns and challenges
However, even if these figures suggest a large democratization of the crypto, the data of the report also reveals a fundamental tension. 75% of crypto holders are concerned with scams and security, but only 3% say they have personal fraud.
Chainalysis reports on cryptographic crime detailed that digital asset crimes increased in 2024 to around 51.3 billion dollars worldwide. At first glance, this can show a disparity, but by diving more deeply, we can see that the volume of crime is motivated by major events like a single payment of ransomware or a Darknet market which transforms with millions of dollars at the same time. Most Crypto owners do not pass through these types of risky avenues, according to the NCA report, and 70% of holders hold less than $ 10,000 in crypto.
Meanwhile, a thirst for knowledge persists. 81% of Crypto owners want to know more about digital assets, investment strategies with blockchain bases and tax implications.
As Tager noted, “there is a real hunger for confidence information, no media threw, no influencers. People want the facts on how to use crypto in their daily life. ”
Request for regulation and balance
Even when crypto spreads, Americans call for smarter and clearer rules on the road. The NCA report reveals that 64% of crypto holders support government regulations and 73% believe it is essential that the United States is becoming a world leader in crypto. However, 67% fear that heavy regulations could stifle the very innovation that makes the crypto so transformative.
TAGER does not consider these requests as contradictory. “The regulations, if it is well done, can legitimize cryptography and protect consumers,” she explained. “This is the balance, the creation of clarity and confidence without strangling the promise of open financial systems.”
This is currently happening in Washington at the moment. The second presidency of American president Donald Trump from 2025 was presented as a “turning point” in American cryptography policy. The secretary of the Treasury, Scott Bessent, supports the policy and the bills Pro-Crypo.
Senators such as Cynthia Lummis have proposed Bitcoin Strategic Reserve Law in Congress, and the actions of the American government in general have stressed a favorable future for the cryptographic industry to develop on American soil. With this interior growth of the industry comes the potential of greater acceptance by customers in America.
This feeling resonates through the data. 44% of crypto owners consider crypto as a means of improving transparency and safety in traditional financial systems, while 44% cite their potential to increase the speed and efficiency of transactions.
It is a development tager believes that the broader rethink of the Social Mission of Crypto. “We were surprised ourselves,” she admitted. “But it makes sense; The low barriers of the crypto at the entrance make it accessible in places where traditional finance has failed. It is in these neglected communities that crypto potential to democratize access to financial tools becomes real. ”
Review: Older investors risk everything for a retirement funded by Crypto
