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Fed Survey: 12% of US Adults Held Crypto in 2021
It marks crypto’s first appearance in the central bank’s “Economic Well-Being of U.S. Households” survey.
Twelve percent of adults held cryptocurrency in 2021, according to a Federal Reserve study measuring the economic health of U.S consumers.
Released Monday, the annual survey of 11,000 people for the first time this year included questions on crypto ownership and adoption. It's the latest sign of the U.S. central bank’s growing interest in understanding how the booming crypto economy is (and isn’t) mixing into the picture.
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The data collected indicated that American consumers have little interest in crypto as a currency. They’re by and large investors, not transactors, and only 3% of respondents said they’d either paid in or sent crypto in the previous year. By contrast, 11% had held crypto as an investment.
Those users “were disproportionately high-income,” the report said: 46% of pure-play investors made $100,000 or more. Almost all of them had a bank account.
Of the 3% who actually used crypto for payments or transfers, 13% did not have a bank account.
Danny Nelson
Danny was CoinDesk's managing editor for Data & Tokens. He formerly ran investigations for the Tufts Daily. At CoinDesk, his beats include (but are not limited to): federal policy, regulation, securities law, exchanges, the Solana ecosystem, smart money doing dumb things, dumb money doing smart things and tungsten cubes. He owns BTC, ETH and SOL tokens, as well as the LinksDAO NFT.
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Crypto Industry Asks President Trump to Stop JPMorgan’s 'Punitive Tax' on Data Access
A coalition of fintech and crypto trade groups is urging the White House to defend open banking and stop JPMorgan from charging fees to access customer data.
Cosa sapere:
- Ten major fintech and crypto trade associations have urged President Trump to stop big banks from imposing fees that could hinder innovation and competition.
- JPMorgan's plan to charge for access to consumer banking data may debank millions and threaten the adoption of stablecoins and self-custody wallets.
- The CFPB's open banking rule, which mandates free consumer access to bank data, is under threat as banks have sued to block it, and the CFPB has requested its vacatur.
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