Federal Reserve's 2025 SHED Report: 25% of Workers Use AI, Crypto Usage Rises to 10%

According to the Federal Reserve’s 2025 SHED report, 25% of employed workers use generative AI at work, with 81% of users reporting time savings. Usage rates vary significantly by education level—43% among graduate-degree holders compared to 10% for those with high school education or below.

Cryptocurrency usage rebounded to 10%, up 2 percentage points from 2024, primarily driven by investment holdings (9%) rather than payment transactions (2%). The report notes that crypto fraud losses carry a 65% non-recovery rate, significantly higher than other payment methods.

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