A new study by the National Cryptocurrency Association found that 55 million U.S. adults now use cryptocurrency, with 76% saying it positively impacts their lives.

On April 2, the National Cryptocurrency Association released the largest-ever survey of American cryptocurrency holders. It showed that 21% of U.S. adults, or around 55 million people, are using digital assets.

Conducted in partnership with Harris Poll, the report offers a fresh look at how crypto is being used across different demographics and income levels.

Ownership skews younger, with 67% of holders under 45, but the study also found notable adoption among older Americans as 15% are over 55. Women now make up nearly a third of all holders (31%). Somewhat surprisingly, crypto is more common in the construction sector (12%) than in financial services (7%).

“We know that millions of real individuals are using crypto,” said Stuart Alderoty, President of the NCA. “This data tells us that people from all backgrounds are engaging with crypto in many ways, and not only are they excited about the future, they’re also already benefiting from it today.”

Crypto as a tool for education, finance, and fun

The report found that crypto’s appeal extends beyond generating returns. Forty-five percent of users cited learning and personal growth as a key benefit, while the same percentage enjoy the excitement of being part of an emerging sector. Nearly 40% use crypto to make purchases while 9% transact with it daily.

Most holders (81%) want to deepen their understanding of crypto, especially around security, regulation, and blockchain technology. Sixty-four percent support government regulation while 67% warn it could stifle innovation.

Many users see crypto’s societal potential, citing its role in financial inclusion (45%), digital transaction efficiency (45%), and global cooperation (33%).

According to Alderoty, “We are excited to continue learning more about who [crypto holders] are and how they are using crypto in their daily lives so we can best support them.”