10% of U.S. Adults Held Digital Assets in Past Year, but Only 2% Used Them for Payment: Federal Reserve Report

According to the Federal Reserve’s 2025 Economic Well-Being of U.S. Households report released on May 13, 10% of U.S. adults held or used digital assets for financial purposes in the past year, with 9% acquiring or holding them for investment purposes.

However, actual payment and transfer usage remained low. Only 2% of respondents reported using digital assets for financial transactions: 2% used them for merchant payments and 1% for peer-to-peer transfers. Among unbanked adults—those without traditional bank accounts—6% used digital assets for transactions, a notably higher rate than the 2% among those with bank accounts. The survey covered approximately 13,000 U.S. adults in October 2025.