One in Three U.S. Crypto Traders Cut Everyday Spending
CEX.IO survey of 1,100 U.S. traders finds 36% reduced everyday spending during the 2025–26 crypto slump; 10% made significant sacrifices and 37% delayed or canceled purchases.
A CEX.IO survey of 1,100 active U.S. users found 36% reduced everyday spending during the 2025–26 crypto market slump. Ten percent described those cuts as significant, and 37% reported delaying or canceling purchases. Twenty-one percent postponed major commitments such as buying a home, purchasing a car or undertaking renovations.
The poll, conducted among CEX.IO’s U.S. user base, recorded financial strain even though the downturn has not matched the severity of the 2022 sell-off. Bitcoin traded about 40% below its October 2025 high; in 2022 the token fell roughly 75% from its peak.
CEX.IO reported that 38% of respondents experienced some form of financial disruption since October 2025. Twenty-five percent relied on savings to stay afloat, and 12% missed or delayed payments. Seventy-seven percent said they did not take on crypto-related debt.
On disclosure of holdings, only 5% said someone else knows the full extent and value of their positions. The majority either shared limited information or kept their holdings private.
The survey found that nearly half of respondents said crypto made up more than 30% of their investable assets. Seventy-three percent reported no change to their approach to earning income, and 79% indicated they plan to hold or increase their crypto positions over the next six months.
CEX.IO wrote, “The 2025–2026 bear market has not produced the kind of systemic shock seen in past cycles (at least for now), but its effects appear to be showing up in quieter ways at the household level.”
A separate poll by Börse Stuttgart Digital of roughly 6,000 investors in Germany, Italy, Spain and France found 35% would consider switching banks for better cryptocurrency services. The survey also found nearly one in five expects their primary bank to provide crypto access within three years.
Both surveys gathered responses from active retail users in their respective markets and reported on consumer spending, financial disruption and interest in crypto services at banks.
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