Cryptocurrency Evolves Beyond Just Holding or Trading—It's Increasingly Being Used as Everyday Money

This data shows something remarkable:

Salt Lake City, Utah, March 27th, 2025, Chainwire

CoinZoom, the Utah-based fintech providing a “cash to crypto” platform with a crypto debit card, free instant international P2P, and crypto trading, has revealed interesting insights into how its users are spending crypto in 2025.

Having launched its metal Visa debit card to thousands of customers in 50 countries, the data from the final quarter of 2024 shows that:

• The average monthly spend per user is $1,793.

• The top 5 cryptocurrencies being spent are: 1) USDT, 2) BTC, 3) ETH, 4) XLM, and 5) LTC.

• Coins are being used for diverse purchases like coffee, transportation, groceries, and more.

This signifies a significant shift in consumer behavior – and a clear sign that crypto is breaking through as a true medium of exchange, not just a speculative asset.

From Coffee to Cross-Border Payments: Crypto is Being Spent Everywhere

CoinZoom users are putting their crypto to good use, engaging in diverse spending habits. They are buying coffee, paying for transportation, and stocking up on groceries using crypto.

While USDT and BTC are leading the way, the data also highlights the spending activity of other cryptocurrencies like XRP and Litecoin (LTC). This variety showcases the user preference and flexibility in selecting their preferred digital currencies for spending.

A Glimpse into the Coins Flowing Through the System

Here's a snapshot of the top 10 cryptocurrencies that CoinZoom users are spending:

1. BTC

2. ETH

3. USDT

4. XLM

5. LTC

6. PEPE

7. DOGE

8. HNT

9. XRP

10. USDC

Coins like SOL, HBAR, SHIB, UNI, and AVAX also feature in the top 20, showcasing the breadth of coins that users are engaging with.

This usage signals that customers are making informed choices about which currencies to spend, depending on the transaction type, timing, or market conditions. In many cases, they’re even spending small “dust” balances — using every coin in their wallet to their advantage.

Whether it’s micro-transactions under $10 or major purchases like flights and electronics, crypto is being used globally as real spending power.

Todd Crosland, CEO and Co-Founder of CoinZoom, said, “This data really questions the contention that crypto has no role as a 'means of exchange'. Our customers have demonstrated month on month that having a 'blended wallet' with both cash and crypto gives them real power and choice. Since we launched our metal card for our Black Account holders, they have been getting over $300 a month in free crypto rewards, so this is a win, win, win for the future of payments.” 

About CoinZoom

CoinZoom is a U.S.-based financial platform enabling users worldwide to send, spend, save, and invest seamlessly. As a U.S.-registered Money Services Business and Money Transmitter, CoinZoom is available in 45 states and operates with a SOC2 Type II Certification, recognized for stringent security standards. With diverse funding options like Apple Pay, Google Pay, debit and credit cards, wire transfers, ACH, and instant cash deposits at multiple U.S. retail locations, CoinZoom bridges traditional and digital finance. Its global peer-to-peer payment system, ZoomMe, allows users in 169 countries to send cash or crypto instantly and fee-free, offering significant savings on remittance fees. The CoinZoom Crypto Debit Card provides unparalleled spending flexibility, allowing users to transact in USD or crypto at over 130 million merchants globally while earning up to 5% in crypto rewards. CoinZoom also has subsidiaries in Australia and Ireland and is pending registration as a Virtual Asset Service Provider (VASP) in Lithuania.

CoinZoom: www.coinzoom.com

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Contact

Marketing & Communications

Adrianne Blackett

CoinZoom

cz.marketing@coinzoom.com