U.S. Crypto Ownership Rises to 14% as 64% Call It "Extremely Risky" Amid Volatility, Regulatory Uncertainty

Recent surveys on U.S. cryptocurrency ownership highlight a paradoxical trend: growing adoption alongside deepening skepticism about the asset class’s risks. According to data from Gallup and The Harris Poll, 14% of American adults now own crypto, a significant rise since 2018, while 64% label it “extremely risky.” These figures underscore a widening divide between digital assets’ increasing mainstream presence and public concerns about volatility, regulatory uncertainty, and market instability [1]. The National Cryptocurrency Association and other industry groups emphasize that the findings reflect shifting consumer behavior, though immediate financial market impacts remain minimal [2].

The data reveals demographic disparities in ownership, with wealthier individuals and younger investors leading adoption. However, broader societal caution persists. Over half of respondents express no interest in buying crypto, and only 4% plan to do so in the near future [3]. This hesitancy is compounded by regulatory ambiguities and historical market turbulence. For instance, the Government Accountability Office (GAO) recently described crypto investments as “uniquely volatile,” reinforcing concerns about their integration into traditional portfolios [4].

Despite these risks, the surveys suggest long-term potential for digital assets in reshaping sectors like real estate through blockchain-enabled innovations such as tokenized ownership and smart contracts [5]. Yet, such developments remain niche, with mainstream investors prioritizing stability. Analysts note that while adoption rates are climbing, crypto’s role in U.S. financial markets remains limited. For example, Ethereum, one of the most commonly held assets, showed no price reaction to the survey results, indicating that public sentiment alone does not yet drive market behavior [6].

The regulatory landscape remains uncharted territory. No major government bodies, including the SEC, have issued direct responses to the findings, suggesting a period of observation rather than immediate action [7]. This ambiguity leaves room for both innovation and caution. Some analysts argue the market is not yet in a speculative bubble due to factors like limited institutional participation and macroeconomic conditions, though critics counter that such optimism ignores inherent crypto risks [8].

The surveys also reflect broader societal attitudes toward technological disruption. High-profile collapses and regulatory actions in recent years have amplified perceptions of crypto as a high-risk asset. However, persistent interest—particularly among younger demographics—hints at a gradual shift in how digital assets are perceived. This duality complicates efforts to balance innovation with stability, a challenge policymakers face as they navigate untested oversight frameworks.

While the immediate financial effects of these trends are unclear, the data underscores a critical juncture for crypto adoption. For investors, the key lies in mitigating risks through education and regulatory clarity. For regulators, the task is to foster innovation without compromising market integrity. As the U.S. stock market’s premium over global counterparts draws attention, crypto’s role remains contentious, with its future hinging on resolving these tensions [9].

Source:

[1] [Why Most Americans Still Avoid Crypto Despite Growing Adoption](https://cryptodnes.bg/en/why-most-americans-still-avoid-crypto-despite-growing-adoption/)

[2] [U.S. Cryptocurrency Ownership Grows but Remains Limited and Unequal](https://news.ssbcrack.com/u-s-cryptocurrency-ownership-grows-but-remains-limited-and-unequal/)

[3] [A Gallup survey found that only 14% of U.S. adults own cryptocurrency...](https://coinmarketcap.com/community/articles/688614bb992f375ac451b58e/)

[4] [Here's Why You May Want to Think Twice Before Including...](https://www.aol.com/heres-why-may-want-think-083400661.html)

[5] [How Digital Wealth is Reshaping Luxury Property Markets](https://www.ainvest.com/news/rise-crypto-real-estate-digital-wealth-reshaping-luxury-property-markets-2507/)

[6] [Surveys did not indicate immediate financial market impacts...](https://coinmarketcap.com/community/articles/688614bb992f375ac451b58e/)

[7] [Social and regulatory implications of these surveys remain limited...](https://coinmarketcap.com/community/articles/688614bb992f375ac451b58e/)

[8] [3 Reasons Why the Crypto Market Isn't in a Bubble (Yet)](https://www.msn.com/en-us/money/topstocks/3-reasons-why-the-crypto-market-is-n-t-in-a-bubble-yet/ar-AA1JdIYs)

[9] [US Rally Relieves—but Does Not Reassure](https://www.franklintempleton.com/articles/2025/clearbridge-investments/rally-relieves-but-does-not-reassure)