US Crypto Payments Forecast 2025

A Friendlier Regulatory Environment Will Boost Adoption

Report by David Morris, and Tiffani Montez  | Feb 11, 2025
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Table of Contents
Executive Summary
Cryptocurrency payment usage will jump from a low base in the next few years, as more owners convert to payers
Regulatory action and payment provider investment will boost crypto payment adoption
Crypto’s spending potential is hampered by low acceptance and mistrust
What payment providers can do to spur crypto payment usage
Sources
Media Gallery
About This Report
Payment provider innovation and regulatory changes are setting a long-term growth runway for cryptocurrency payments. But providers will still need to overcome low merchant acceptance and a sense of mistrust before crypto can go mainstream.
Topics
Financial Services
Payments
US
Table of Contents
Executive Summary
Cryptocurrency payment usage will jump from a low base in the next few years, as more owners convert to payers
Regulatory action and payment provider investment will boost crypto payment adoption
Crypto’s spending potential is hampered by low acceptance and mistrust
What payment providers can do to spur crypto payment usage
Sources
Media Gallery

The Trump administration is injecting regulatory clarity into cryptocurrency, fueling payment provider confidence and investment. But hurdles remain to crypto owners actually using it as a payment method, especially low merchant acceptance and consumer distrust. The path to mainstream adoption isn’t set, but payment providers have levers to pull to accelerate growth.

Key Question: What is the outlook for crypto payments over the next two years?

Cryptocurrency Payment Users Will Jump by 82% From 2024 to 2026 (millions of US cryptocurrency payments users and % change, 2022-2026)
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Key Stat: Cryptocurrency payment adoption is set to surge 82.1% in two years, driven by crypto-friendly regulatory changes and payment provider expansion. But usage will remain niche, reaching just 2.6% of the population.

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Table of Contents

  1. Executive Summary
  2. Cryptocurrency payment usage will jump from a low base in the next few years, as more owners convert to payers
  3. Regulatory action and payment provider investment will boost crypto payment adoption
  1. Crypto’s spending potential is hampered by low acceptance and mistrust
  2. What payment providers can do to spur crypto payment usage
  3. Sources
  1. Media Gallery

Charts in This Report

Cryptocurrency Payment Users Will Jump by 82% From 2024 to 2026 (millions of US cryptocurrency payments users and % change, 2022-2026)36.6 Million US Adults Will Own Crypto by 2026, Up 33.1% in Two Years (millions of US cryptocurrency owners and % of population, 2022-2026)
Almost Half of Corporate Political Contributions to US Federal Elections Came From Crypto Corporations in 2024 (millions of corporate political contributions to US federal elections, by sector, 2018-2024)Lack of Crypto Acceptance Keeps Crypto Owners From Spending (% of US cryptocurrency owners, Aug 2024)

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authors

David Morris, and Tiffani Montez

Contributors

Suzy Davidkhanian
VP, Content
Vladimir de Leon
Chart Editor
Nikolai Dineros
Donte Gibson
Senior Charts Editor
Chris Keating
Director, Research
Cindy Liu
Senior Forecasting Analyst
Julia Woolever