The world of finance is undergoing a quiet but powerful transformation. Despite market volatility and macroeconomic challenges, a growing number of Americans are turning their attention to digital assets—not just as speculative investments, but as a potential solution to long-standing financial inequities. A recent survey commissioned by Coinbase and conducted by Morning Consult reveals a striking shift in public perception: 29% of U.S. adults plan to buy, sell, or trade cryptocurrency within the next 12 months, and 65% believe the best days for crypto are still ahead.
This optimism persists even though Bitcoin remains over 65% below its all-time high of $68,789 reached in 2021. The data suggests that behind the price charts lies a deeper narrative—one rooted in trust, accessibility, and the promise of a more inclusive financial system.
Growing Distrust in Traditional Finance Fuels Crypto Adoption
One of the most compelling findings from the survey is the widespread dissatisfaction with the current financial system. A staggering 80% of American adults say they are frustrated by financial inequality, believing the system favors those with "powerful connections." Only 4% feel no change is needed.
Moreover, when asked to describe the global financial system in one word, respondents overwhelmingly chose:
- Expensive (34%)
- Unfair (30%)
- Confusing (30%)
This erosion of trust is creating fertile ground for decentralized alternatives. As confidence in traditional institutions wanes, blockchain and cryptocurrency are emerging as credible solutions—particularly among those who feel excluded from mainstream finance.
👉 Discover how blockchain is reshaping financial access for everyday users.
Crypto Ownership Is Rising—And So Is Future Intent
Today, 1 in 5 American adults—approximately 20%—already owns at least one digital asset. But the real story lies in future intent: nearly one-third of U.S. adults (29%) plan to engage in crypto trading within the next year. That translates to an estimated 75.5 million Americans expected to participate in the crypto market soon.
Among current holders:
- 60% maintain a positive outlook on crypto
- 84% say they’re likely to buy more within the next 12 months
These figures reflect not just speculative interest, but long-term conviction in the technology’s potential.
Younger Generations See Crypto as the Future
The generational divide in crypto adoption is clear—and it's shaping the future of finance. Gen Z (ages 18–25) leads in ownership at 36%, followed closely by Millennials at 30%. These groups aren’t just early adopters—they’re believers.
Key insights:
- 54% of Gen Z and 55% of Millennials believe crypto and blockchain represent the future
- 27% of Gen Z and 21% of Millennials considered opening an exchange account in the past year
For younger Americans, crypto isn’t just about making money—it’s about building a fairer system. They view blockchain as a tool for financial empowerment, transparency, and innovation.
Inclusion at the Core: Crypto’s Role in Marginalized Communities
Perhaps one of the most significant revelations is the disproportionate participation of Black and Hispanic Americans in the crypto space. These communities show higher ownership rates than their white counterparts and express greater optimism about crypto’s long-term impact.
Survey highlights:
- Black and Hispanic adults are more likely to own crypto
- They are also more likely to view exchanges as safe and trustworthy
- A majority plan to continue trading in the next year—showing strong retention and engagement
This trend underscores a critical point: crypto is becoming a vehicle for financial inclusion, offering access to wealth-building tools that have historically been out of reach.
Bipartisan Support in a Divided Nation
In an era of deep political polarization, crypto stands out as a rare area of common ground. The survey found minimal partisan divide in crypto sentiment:
| Group | Current Owners | Plan to Trade Next Year |
|---|---|---|
| Democrats | 22% | 32% |
| Republicans | 18% | 28% |
| Independents | 22% | 28% |
Regardless of political affiliation, Americans agree: the financial system needs change, and many see blockchain as part of the solution.
Trust in Platforms Drives Adoption
While enthusiasm is high, trust remains a key gatekeeper. The survey found that 67% of Americans say having a secure, trustworthy platform is essential before entering the crypto market.
Perception matters:
- Among those who believe exchanges are safe, 70% agree that crypto and blockchain are the future
- 61% of this group plan to buy or trade crypto in the next year
Security isn’t just a feature—it’s a foundation for mass adoption.
👉 Learn how trusted platforms are making crypto safer for new investors.
Why People Believe Crypto Will Change Finance
Beyond investment returns, Americans see broader societal benefits in crypto:
- 69% believe it’s a worthwhile investment for the future
- 65% think better days are ahead for the industry
- 63% expect it to bring widespread social benefits
- 52% believe it can help solve systemic financial inequality
These numbers reveal a shift from viewing crypto as a niche tech trend to seeing it as a transformative force—one that could democratize finance and empower individuals.
Frequently Asked Questions (FAQ)
What percentage of Americans currently own cryptocurrency?
Approximately 20% of U.S. adults—about 52.3 million people—currently own at least one type of digital asset.
Which age group has the highest crypto ownership?
Gen Z (18–25 years old) has the highest ownership rate at 36%, surpassing Millennials (30%), Gen X, and Baby Boomers.
Do people from minority communities invest more in crypto?
Yes. Black and Hispanic adults show higher rates of crypto ownership compared to white adults and express greater optimism about its future role in financial equity.
Is there political consensus on cryptocurrency?
Surprisingly, yes. The survey shows minimal partisan differences in ownership and future trading plans, suggesting broad bipartisan interest in digital assets.
Why do people trust crypto platforms?
Trust hinges on security and reliability. Americans who view exchanges as safe are far more likely to invest. Building trustworthy infrastructure is key to expanding adoption.
What drives long-term belief in crypto?
Belief stems from a desire for financial fairness, transparency, and innovation. Many see blockchain as a way to bypass outdated systems and create new opportunities for wealth creation.
👉 Explore how blockchain innovation is driving real-world financial change.
Final Thoughts: The Momentum Is Building
The data paints a clear picture: despite market cycles and regulatory debates, public interest in cryptocurrency is not fading—it’s evolving. From Gen Z believers to underserved communities seeking financial agency, millions see crypto not as a fad, but as a foundational shift.
With nearly three out of ten Americans planning to trade crypto next year, and majorities believing it will bring positive change, the momentum is undeniable. As trust grows and platforms become more secure, we may be witnessing the early stages of a financial revolution—one built on code, transparency, and inclusion.
The future isn't just digital. It's decentralized.
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