The Federal Reserve's 2025 Survey of Household Economic Decision-Making (SHED) indicates that 10% of U.S. adults engaged with cryptocurrency in 2025, marking a 2% increase from the previous year. However, this figure remains below the 12% peak observed in 2021. Among these users, 9% invested in or held cryptocurrency, 2% utilized it for purchasing goods or making payments, and 1% used it for sending money to friends or family. The report highlights a notable trend among unbanked adults, with 6% using cryptocurrency for financial transactions, compared to just 2% of those with bank accounts. This suggests a growing reliance on digital currencies among individuals without traditional banking access.