Gen Z Flirts With Crypto To Pay For Dates This Valentine's, Survey Finds

Gen Z and Millennials are increasingly viewing financial literacy and knowledge of digital assets as attractive traits in potential partners, according to a survey. A majority of respondents, including 76% of Gen Z and 75% of Millennials, said that financial know-how boosts a person's appeal.

The survey also found that 65% of Gen Z individuals find familiarity with digital assets attractive, and 31% of them see receiving crypto as a Valentine's Day gift as appealing. Despite this, only 5% of Americans have used cryptocurrency to cover dating expenses, with challenges including convenience and access.

Crypto adoption in dating remains low, but younger generations show a greater willingness to experiment with digital currencies for romantic gestures. For example, 13% of Gen Z individuals have used crypto to pay for dates.

Why Financial Literacy and Crypto Knowledge Are Attractive Traits

Financial compatibility and digital asset knowledge have become significant factors in dating preferences, particularly for younger generations. The survey by OKX found that 66% of Americans believe financial smarts make someone more attractive. Among Gen Z, this number rises to 76%.

Knowledge of digital assets also plays a role, with 55% of men and 49% of women finding digital asset literacy appealing. Younger demographics show a stronger preference, with 66% of Millennials and 65% of Gen Z considering it attractive.

How Younger Generations Are Embracing Digital Assets

Younger Americans are more open to using crypto in their romantic lives, even if adoption is still limited. The survey found that 31% of Gen Z and 34% of Millennials find the idea of receiving crypto as a Valentine's Day gift appealing.

However, actual usage of crypto for dating expenses remains low, with only 5% of Americans using it for such payments. Barriers include ease of access for Gen Z and comfort for older generations like Boomers.

What the Future Holds for Crypto in Dating and Financial Services

Despite limited adoption, crypto is gaining traction among younger demographics as a symbol of modern financial competence. Companies like Gen Digital are seeing growth in digital financial services, with strong Q3 performance and raised 2026 guidance driven by AI-related cybersecurity and MoneyLion's growth.

However, the crypto market itself is facing volatility and liquidity challenges, with firms like BlockFills temporarily suspending deposits and withdrawals. Robinhood also reported a 38% decline in crypto revenue, attributed to reduced trading volumes and falling asset prices.

These challenges highlight the broader risks and uncertainties in the crypto sector. While younger generations may be more open to using digital assets in romantic contexts, the overall adoption and acceptance of crypto for everyday transactions remain uncertain.