Ripple’s Chief Legal Officer, Stuart Aldeoty, now president of the newly established National Cryptocurrency Association (NCA), has released the largest survey of American crypto holders in history. The NCA is a nonprofit funded by Ripple, focusing on crypto education.
The numbers are strict. 21% of US adults (approximately 55 million) currently own digital assets.
According to the latest iteration of Crypto Holders Report 2025, cryptocurrencies are deeply rooted in everyday life in America, in collaboration with Harris’ polls.
Almost 76% of users say Crypto is positively affecting their lives, and around 49% cite an increase in financial independence as one of their biggest profits.
This study challenges general assumptions about the population using cryptocurrency. For example, 12% of crypto holders are employed in construction, while only 7% work in financial services.
The majority of users on the platform are younger, but 67%, or 67%, are under the age of 45. The report revealed that 15% of users are over 55 years old. Interestingly, it shows that around 31% of users are female.
“This data shows people from all backgrounds are involved in cryptography in many ways. They are not only excited about the future, but they are already benefiting from today,” said Stuart Alderolly, who played a key role in the historic Ripple vs. SEC legal battle.
The study also shows that cryptocurrencies are set aside as more than just an investment. It is used every day. Almost 40% of users spend crypto, and 9% use it every day. Participants also noted that they traded NFTs and digital collectibles. A considerable number of people have been reported to participate in distributed online games using Crypto. In particular, Crypto was also used to complete real estate transactions.
The study also reveals solid trust in digital assets. 76% of holders trust cryptocurrencies more than traditional banks. 64% support government space regulations, while 67% are concerned that excessive regulations could hinder innovation.
73% believe the US should strive to become a leader in cryptocurrency development and policy around the world, the study reveals.