WHAT WOULD ACCELERATE USAGE
When asked what would increase their engagement, holders pointed to practical levers. The most common answer was earning rewards and interest, cited by 40% of respondents. Another 35% cited the ability to pay for everyday goods and services, signaling that customer demand is there for merchants to capture. The same share said greater personal knowledge would make a difference, and 34% cited reduced volatility.
WHAT WOULD MAKE YOU MORE LIKELY TO USE CRYPTO?
When asked what would build more trust in crypto, respondents pointed to integration and accountability. Greater transparency from crypto companies topped the list at 49%, demonstrating that clear and accessible information fuels higher confidence.
Real-world use cases from regular people and traditional finance, integrating with crypto, each came in at 42%. Government oversight and regulatory clarity followed at 39%, alongside calls for industry-wide codes of conduct or standards at the same share.
Today, 76% of holders want their bank to let them buy, hold, and manage crypto alongside their regular accounts. That is not a request to replace traditional finance. It is a request to be included.
The U.S. is at a pivotal moment in shaping the future of digital assets.
SIGNALS THAT BUILD TRUST
Scam concern remains real. Nearly three out of four holders (72%) say they are concerned about scams and security in the crypto industry. But lived experiences are telling a different story. When asked whether crypto has had an overall positive or negative impact on their lives, 77% said positive. Just 3% said negative. People are aware of the risks and choose to participate anyway because the benefits they experience outweigh their concerns.
The gap between concern and confidence points to an education opportunity. As holders gain more experience and as the industry continues to invest in consumer protections, clearer regulation, and stronger security infrastructure, that gap should continue to narrow.
NCA offers free resources on crypto security and scam prevention through its Learning Portal, Simulator, and Crypto, Explained podcast at: nca.org/learn
Widespread literacy and education are essential to empower consumers to make informed decisions and promote a healthy, innovative financial ecosystem for all.
