加密货币越来越正常，从使用它的人数到使用它的人的类型

虽然比特币（BTC）和加密新闻最近都集中在政治和机构上，但显示政府政策变得越来越接受

A new report has revealed that crypto is becoming more mainstream, both in terms of the number of people who use it and the type of people who use it.

一份新报告显示，在使用它的人数及其使用的人的类型方面，加密货币越来越主流。

According to the National Crypto Alliance’s (NCA) “2025 State of Crypto” report, which is based on a Harris Poll survey of 10,000 crypto owners from 54,000 surveyed adults, crypto is now used by 55 million Americans.

根据国家加密联盟（NCA）的“ 2025年加密货币状态”报告，该报告基于对来自54,000名被调查成人的10,000名加密货币所有者进行的Harris民意测验调查，现在有5500万美国人使用加密货币。

The report, which was presented at Bitcoin 2025 in Las Vegas, found that crypto is being integrated into the daily lives of a broad cross-section of Americans, spanning different age groups, genders, income levels and professional domains.

该报告在拉斯维加斯的2025年比特币上发表，发现加密货币已融入了美国人广泛的横截面的日常生活中，跨越了不同的年龄段，性别，收入水平和专业领域。

“Crypto is for everyone,” said Ali Tager, executive director of the NCA, in an interview with Cointelegraph.

NCA执行董事阿里·塔格（Ali Tager）在接受Cointelegraph的采访时说：“加密货币都适合所有人。”

The data showed that one in five American adults, or 21%, now own at least some form of cryptocurrency. The implications for both the industry’s narrative and for policymakers are profound.

数据显示，现在至少拥有某种形式的加密货币，其中五分之一的美国成年人（或21％）现在拥有至少一种形式的加密货币。对行业叙事和政策制定者的影响是深远的。

Most crypto adoption stories do not involve Lamborghinis and get-rich-quick schemes but are often about practical, often transformative uses, according to Tager. This data-driven portrait challenges stereotypes and reframes the crypto debate around financial inclusion, practical adoption and a demand for smarter regulation.

塔格说，大多数加密采用故事都不涉及兰博基尼人和获得富裕的方案，而是涉及实用的，通常是变革性的用途。这种数据驱动的肖像挑战了刻板印象，并重新介绍了有关金融包容性，实际采用和对更智能监管的需求的加密辩论。

Many of America’s crypto holders are already integrating digital assets into their daily lives. Some 39% of crypto investors in the survey have used crypto to pay for goods and services. Of these crypto shoppers, 96% used it at least once per year, with 22% doing so weekly. And 31% reported sending crypto to family as an alternative to traditional remittance channels.

美国许多加密货币持有人已经在将数字资产整合到他们的日常生活中。该调查中约有39％的加密投资者使用加密货币来支付商品和服务。在这些加密购物者中，有96％的人每年至少使用一次，每周有22％的人这样做。 31％的人报告将加密货币发送给家人，以替代传统汇款渠道。

The most common motivation for entering crypto is investment, cited by 60% as their first driver. However, curiosity about blockchain itself (50%) and practical uses like online shopping (27%) also ranked high.

进入加密货币的最常见动机是投资，被60％作为其第一个驱动因素引用。但是，对区块链本身（50％）和在线购物（27％）（27％）等实用用途的好奇心也排名很高。

“Crypto is no longer just a novelty,” said Tager. “For many, it’s a better way to do what they’re already doing, whether that’s shopping, paying bills or sending money to loved ones.”

塔格说：“加密不再只是一种新颖性。” “对于许多人来说，这是做他们已经在做的事情的更好方法，无论是购物，支付账单还是向亲人汇款。”

NCA report mostly lines up with previous industry analysis

NCA报告主要与以前的行业分析保持一致

The National Crypto Alliance’s report focused on the state of crypto in 2025. Source: NCA

国家加密联盟的报告着重于2025年的加密货币。来源：NCA

Previous reports from Chainalysis, Messari and a16zcrypto support much of the NCA’s findings in its report, at least directionally. All reports agree that adoption is growing, but determining the exact statistical makeup is always a challenge.

Chainalysis，Messari和A16ZCrypto的先前报告至少在其报告中支持了NCA的许多发现，至少在方向上。所有报告都同意采用率正在增长，但是确定确切的统计构成始终是一个挑战。

The NCA’s 55 million owners, based on a Harris Poll of 54,000 adults, seems robust, but Harris’s online panels may overstate adoption, especially when a 2025 Messari report pegs global active users at 30 million-60 million, hinting at speculative inflation.

NCA的5500万所有者根据哈里斯（Harris）的54,000名成年人的民意调查，似乎很健壮，但哈里斯（Harris）的在线小组可能会夸大采用，尤其是当2025年的梅萨里（Missari）报告全球活跃用户以3,000万至6000万的身份报告时，人们会在投机性通货膨胀时提出。

The NCA’s diverse owners, per Harris’s data, include a data set showing 31% of women own crypto. However, if the online survey were used, it could skew results toward tech-savvy groups, clashing with a late 2024 Chainalysis report showing 70% of US activity from elite transfers.

根据哈里斯（Harris）的数据，NCA的各种所有者包括一个数据集，显示31％的女性拥有加密货币。但是，如果使用了在线调查，它可能会偏向精通技术的小组，并与2024年末的链分析报告发生冲突，显示美国70％的活动来自Elite Transfers。

This is neither to suggest that adoption by women or non-elites is not growing nor to downplay the effort of polling 10,000 crypto holders across the US to get a better statistical base for analysis. It is only to suggest that repeatable surveys should be produced in order to solidify confidence in the findings of the NCA report.

这既不表明妇女或非精英的采用并不是在不断增长，也不要淡化投票在美国各地的10,000个加密持有人的努力，以获得更好的统计基础进行分析。仅提示应进行可重复的调查，以巩固对NCA报告发现的信心。

Crypto adoption sees a demographic shift

加密采用率看到人口转变

The NCA’s report highlights that crypto ownership is far more diverse than often depicted. While 67% of holders are men, 31% are women, and nearly 17 million American women are engaged with digital assets. Age-wise, 67% of crypto owners are under 45, but almost 9 million are over 55, contrasting with the notion that crypto is purely a young person’s domain.

NCA的报告强调，加密所有权的多样化远比经常描绘的要多样化。虽然有67％的持有人是男性，而31％是女性，而将近1700万美国妇女参与了数字资产。年龄的，有67％的加密货币所有者不到45岁，但近900万人超过55岁，与纯粹是一个纯粹是年轻人的领域形成鲜明对比。

“We heard from a cattle rancher in Kansas using blockchain to track beef provenance, a single mother in Texas learning to trade crypto to gain financial freedom. These are the stories that matter,” said Tager. “They’re not chasing Lamborghinis; they’re using crypto for real, often life-changing reasons.”

塔格说：“我们从堪萨斯州的一家牛牧场主那里听到了区块链来跟踪牛肉的出处，这是德克萨斯州的单身母亲学习以贸易加密货币以获得财务自由。这些都是重要的故事。” “他们不是在追逐兰博基尼；他们出于真正的，经常改变生活的原因而使用加密货币。”

The report also highlighted that 45% of crypto holders saw digital assets as a force for financial inclusion and poverty reduction, whereas 38% cited their role in fostering technological innovation and sustainable economic practices.

该报告还强调，有45％的加密持有人将数字资产视为减少金融和贫困的力量，而38％的人列举了它们在促进技术创新和可持续经济实践中的作用。

Crypto concerns and challenges

加密问题和挑战

However, even as these numbers suggest a broad democratization of crypto, the report’s data also reveals a fundamental tension. 75% of crypto holders worry about scams and security, yet only 3% report having personally experienced fraud.

但是，即使这些数字表明对加密货币的民主化，该报告的数据也揭示了根本的张力。有75％的加密货币持有人担心骗局和安全性，但只有3％的人报告亲自经历了欺诈行为。

Reports from

报告