10% of Americans Used or Invested in Crypto in 2025 — Highest Rate Since 2022, Fed Reports!

One in ten Americans used or invested in cryptocurrency in 2025, according to a new Federal Reserve report — the highest adoption rate recorded since 2022 and a meaningful reversal from the post-FTX contraction that dragged participation figures down through 2023.

The Fed's annual household finance survey is one of the most credible gauges of retail crypto penetration in the US, drawing on a nationally representative sample rather than exchange sign-up data. A return to 2022-era participation levels suggests the market's recovery has translated into real behavioural change, not just price appreciation among existing holders.

For investors tracking the next leg of the adoption curve, the figure matters as a demand-side signal: a broader retail base entering or re-entering the market in 2025 sets a higher floor for sustained inflows heading into the second half of the year.