Crypto Adoption in 2025: Payments and AI

Key Findings from the Reown Report

Reown launched its report titled “The State of Onchain UX” based mostly on a survey of 1,038 energetic crypto users. These customers are from the US and the UK, and the survey occurred in February 2025.

Right here’s what the customers consider will drive mass adoption:

As seen within the desk above, funds lead the listing. Many customers now use crypto not simply to commerce but in addition to pay for issues. The truth is, 54% of the surveyed customers use crypto for real-world funds. That’s a powerful signal that individuals are beginning to belief it extra for on a regular basis use.

Rise of Stablecoins and Pockets Utilization

Stablecoins, that are digital belongings tied to steady currencies just like the U.S. greenback, are gaining recognition. Final yr, solely 20% of customers stated they used stablecoins. This yr, the quantity jumped to 37%.

Pockets utilization can be rising. On common, customers now handle extra wallets than they did in 2024. Many do that for higher safety. Round 44% now use a number of wallets – up from 32.8% final yr.

AI’s Function in Crypto Adoption

Artificial intelligence is one other space customers are enthusiastic about. Round 35% consider AI will assist drive crypto adoption. Nonetheless, opinions are combined with regards to how nicely AI and blockchain can work collectively:

• 29% consider AI and blockchain will complement one another.
• Solely 18% assume crypto will play a key function in AI’s progress.

So whereas there may be curiosity on this space, there’s additionally uncertainty.

Regulation and Authorities Involvement

Authorities assist performs an enormous function too. Since President Donald Trump returned to workplace, regulation has change into a key matter. The SEC created a crypto activity pressure, and Chairman Paul Atkins has labeled crypto regulation a prime precedence.

This authorities focus appears to spice up consumer confidence:

• 86% consider regulation will assist mainstream adoption.
• Solely 14% fear it’d sluggish innovation.

Main Limitations to Widespread Adoption

Even with rising curiosity, some hurdles stay. Customers highlighted these major boundaries:

Whereas 69% of customers now really feel safer utilizing crypto in comparison with 50.5% final yr, phishing assaults are growing. Reviews of phishing rose from 14.4% to 21%. These numbers present that whereas confidence is rising, dangers nonetheless exist.

Interoperability is one other key subject. Many blockchains don’t work nicely with one another. This makes it exhausting for customers to maneuver belongings throughout platforms. About 47% say higher interoperability is essential. Nonetheless, solely 14% see it as one of many prime issues that have to be solved.

What Must Change?

The report concludes that crypto should change into extra sensible to draw new customers. Builders ought to give attention to:

• Reducing transaction charges
• Making platforms safer
• Enhancing consumer expertise
• Constructing real-world use instances like cost and social apps

Apparently, there may be nonetheless a spot between what customers anticipate and the way they use crypto in the present day. Many nonetheless focus primarily on buying and selling, although they need apps that make on a regular basis life simpler.

The crypto area is rising past buying and selling. Payments, AI, and regulation are pushing it ahead. Nonetheless, issues like excessive charges, safety dangers, and poor interoperability have to be addressed.

With 67% of customers feeling optimistic, the long run appears to be like vivid. If the business focuses on actual wants, the following wave of adoption is perhaps nearer than we predict.