Young rich people have turned their course to crypto.

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Young Investors' Crypto Investments Are Rapidly Increasing in the USA

A new study conducted with 500 investors aged 18-40 in the USA reveals that crypto assets have moved beyond being an “alternative” for high-income young investors and have become a fundamental component of their portfolios.

A study conducted in the third quarter of 2025 in collaboration with blockchain company ZeroHash and research firm Centiment showed that 61% of participants hold cryptocurrencies and that demand for this asset class is expected to increase further in the next 12 months.

Scope of the Research

The study was conducted using an online survey method with 500 investors based in the USA. Participants' age range is between 18-40, and household income varies from 100,000 dollars to over 1 million dollars. While the research particularly focuses on the “high-income young investor” segment, it revealed that 75% of participants are currently working with a financial advisor or private asset manager. The “High Net Worth” (HNW) investor subgroup is defined as having an annual income between 500,000 dollars and 1 million dollars.

The Place of Cryptocurrency in Portfolios is Strengthening

The research results showed that crypto assets compete in the same league as traditional classes such as real estate and stocks among young and wealthy American investors. Seventy-one percent of investors holding crypto stated that they allocate 5 to 20 percent of their portfolios to digital assets. Forty-four percent of the young high-net-worth segment participating in the study reported holding crypto. This rate is on par with real estate investors, while it was significantly higher than private equity/hedge funds, as well as art and collectibles.

Another noteworthy finding in the report is that even investors who currently do not hold cryptocurrencies are showing strong demand. The vast majority of participants in the survey, who do not have a financial advisor, stated that they would consider opening an account or seriously thinking about it if cryptocurrency services were offered.

The Heavy Cost of Advisors' Crypto Ignorance

One of the most striking findings of the research is that 76% of investors manage their crypto assets independently, that is, without financial advisors. Only 24% hold their crypto assets through advisors. However, according to the report, the “advisor access gap” has serious consequences: 35% of participants have already shifted their money elsewhere due to their advisors not offering crypto. This rate has risen to 51% among high-net-worth investors.

The size of asset outflows is also daunting: 34% of investors holding money have moved between $250,000 and $500,000, while 21.8% have shifted between $500,000 and $1 million. 64% of investors participating in the survey stated that they would stay longer or hold more assets if their advisors offered cryptocurrencies.

On the other hand, the report stated that the entry of some large financial institutions into the crypto space has increased investor confidence.

Bitcoin is not enough, Seeking a more diversified portfolio

The report showed that investors are not satisfied with a menu consisting only of Bitcoin and Ethereum. Ninety-two percent of participants stated that access to a broader range of digital assets is important. One in five investors is already focusing on alternative assets such as Solana, Dogecoin, and USD Coin, but high-net-worth investors are in search of even more diversified portfolios: The percentage of HNW investors with a Bitcoin-heavy portfolio is 49%, while this rate is 64% in the general population.

Expectations regarding security and transparency are also clear: 63% of investors stated that cryptocurrency should be treated on par with traditional assets, while 50% expressed a desire for insured custody services. Concerning risk management, around 70% of investors have concerns about money laundering and cybersecurity, while independent audits were ranked as the most important assurances at 56(%, transparent reporting at 54)%, and regulated custodians at 54(%.

) 124 Trillion Dollar Wealth Transfer

The research reminded that the massive wealth of 124 trillion dollars held by the old generation of investors will pass to the younger generation of investors in the coming decades. According to the report, crypto will find its place at the center of wealth creation in this wealth transfer.