She’s a caregiver in Alabama managing finances at 2 a.m. … A single mom in Texas who rebuilt her finances from scratch. … A retiree who just bought her first Bitcoin. …
If you’re still picturing a hoodie-wearing tech bro when you think “crypto holder,” the National Cryptocurrency Association’s 2026 State of Crypto Holders Report is here to lovingly correct you.
Ali Tager, communications lead at NCA and host of the Crypto, Explained podcast, joins Laura and me, fresh off the conference circuit - SXSW, Bitcoin and XRP in Vegas, and a blockchain stop in Miami - to break down what 10,000 U.S. crypto holders told The Harris Poll this year. Spoiler: the findings hit different.
Here’s what the data actually shows:
Crypto ownership jumped from 1 in 5 to 1 in 4 U.S. adults in a single year - that’s 67 million people
12 million new Americans entered the market in the past year alone (the combined population of NYC + LA)
Women are the fastest-growing segment - 42% of new holders identify as female, up from 34% among earlier adopters
Older Americans are joining too: 28% of new holders are 55+, double the share from prior years
The average holder has less than $5,000 on chain - and more than half of all holders earn under $150K (per our chat with Ali)
41% send crypto to friends and family (up from 31% in 2025), 40% shop and pay with it, and 19% donate to charity
87% of holders are actively using crypto - up from 80% last year
54% say crypto has increased their financial independence (up from 49%)
77% say crypto has had a positive impact on their lives - vs. just 3% who say negative
83% feel proud, 81% feel confident, and 78% feel empowered about their financial lives
90% plan to buy more crypto in the next year; 72% plan to spend it; 65% plan to send it to friends or family
69% of holders trust crypto - edging out the 65% who trust traditional banking
76% want their bank to let them buy and manage crypto alongside regular accounts
82% expect the overall crypto market to grow over the next 5 years
The South holds the biggest share of crypto holders at 38% - not Silicon Valley
And, a few stats worth adding to round out the picture:
The 87% active usage rate (up from 80%) - a powerful signal of crypto moving from buy-and-hold to daily utility
The 90% purchase intent and the breakdown of how people plan to use crypto next year (buy, spend, send, donate, pay employees)
The “paying employees” stat - 37% of holders plan to send crypto to employees, which is a huge signal for the future of payroll
76% want bank integration - not to replace banks, but to work alongside them
82% bullish on the 5-year market outlook
The trust gap between crypto (69%) and traditional banking (65%) - that one deserves its own moment
The emotional impact stats: 83% proud, 81% confident, 78% empowered
The gaming surge (20% → 28%) and property tokenization growth (15% → 19%)
Regional breakdown: South 38%, West 27%, Northeast 18%, Midwest 18%
This is crypto going from novelty to normalcy - and the SheCrypto community has been ahead of this curve all along.
Want to dig into the full report? → https://nca.org/resources
They called it a boys’ club.
The data disagrees.
Join the women rewriting the story - one block at a time.
