Nearly half of younger US investors hold crypto as traditional wealth-building paths deteriorate, allocating 25% of portfolios to non-traditional assets — triple the rate of older generations — while 73% believe conventional financial systems favor previous cohorts.
Nearly half of younger US investors now hold crypto as traditional wealth-building paths grow increasingly out of reach, according to new data from Coinbase.
The findings show that 45% of younger investors already own crypto, compared to just 18% of older generations, and that three-quarters believe their generation faces harder odds of building wealth through conventional means than previous cohorts did.
The State of Crypto Q4 2025 report, compiled from a survey of 4,350 US adults, including 2,005 active investors, found younger generations allocating 25% of their portfolios to non-traditional assets, triple the 8% allocation among older investors.
Beyond the allocation gap, younger investors demonstrate markedly different attitudes toward digital assets, with four in five viewing crypto as creating financial opportunities that wouldn’t otherwise exist for their generation.
Source: Coinbase
A Generation Betting Against the Old Playbook
Despite reporting greater optimism about broader economic conditions, younger investors don’t believe traditional wealth-building mechanisms work in their favor.
The cohort has watched housing affordability deteriorate while student debt mounted and wage growth lagged, driving 73% to conclude that their generation faces steeper wealth-building challenges than 57% of older adults.
This perception translates directly into portfolio decisions. While stock ownership rates remain similar across age groups, younger investors add substantially more alternative exposure, actively seeking reward mechanisms beyond conventional stock dividends.
The strategy reflects deliberate pursuit of tools and markets that might help close generational wealth gaps rather than passive investment approaches.
The crypto allocation isn’t treated as speculative positioning but as a central strategy. Nearly half of younger investors (47%) want access to new crypto assets before general market availability, compared with just 16% of older investors.
Four in five younger adults believe cryptocurrency will play a significantly larger role in future financial systems, dropping to three in five among older investors.
Risk Appetite Extends Beyond Bitcoin and Ethereum
The willingness to embrace emerging opportunities doesn’t stop at spot crypto holdings.
Four in five younger investors say they’re willing to try new investment opportunities before others, compared with under half of older adults.
Interest spans crypto derivatives, prediction markets, round-the-clock stock trading, early-stage token sales, altcoins, and decentralized finance lending products.
