Generation Z is significantly influencing the financial sector with their growing adoption of cryptocurrencies. By 2025, 48% of Gen Z globally are projected to own or have owned crypto, compared to 35% of the general population. In the U.S., 51% of Gen Z individuals have engaged with crypto, with a notable 75% open to receiving salaries in stablecoins and 12.7% using crypto for down payments. This demographic's preference for low entry barriers and decentralized systems is prompting retail and institutional markets to adapt. Retail platforms are enhancing user experiences and compliance, while institutions are increasing digital asset integration. Institutional crypto allocations are expected to rise from 7% to 16% over the next three years, with tokenization and ETFs gaining popularity to meet Gen Z's demand for transparency and ease of use.