Cryptocurrency investment and ownership are rising in Europe.

Increasing Interest in Cryptocurrency Markets

As of 2025, while cryptocurrency markets in Europe are experiencing sharp fluctuations, it is observed that interest and ownership in crypto assets have steadily increased during this period. According to a report examining the Web3 industry in France and Europe, approximately 90% of the population over the age of 18 in Europe's leading economies is knowledgeable about crypto assets. This situation indicates that cryptocurrencies are becoming increasingly visible in society.

Rates of Crypto Asset Ownership

According to the results of a survey by the European Central Bank (ECB), the proportion of adults owning crypto assets in the Eurozone has reached 9% as of 2024. When evaluated by country, this rate is 6% in The Netherlands and Germany, while it is 15% in Slovenia. High rates of crypto ownership in Greece and other countries are also noteworthy.

Differences Between Countries and Their Reasons

It is noted that the differences in crypto asset ownership are shaped by a combination of factors such as the level of digitalization, the inclination of investors to take risks, and local market conditions. For example, countries with a more open attitude towards financial innovations and a younger investor demographic are quickly turning towards cryptocurrencies. However, it is emphasized that the regulatory framework and economic conditions also play a crucial role.

Increases Between 2022-2024

ECB data reveals that between 2022 and 2024, ownership of crypto assets has increased in many countries within the Eurozone. Overall, during this period, the rate of crypto ownership has risen from 4% to 9%. The most notable increases have occurred in Greece and Lithuania, where crypto ownership has shown an increase of 10 percentage points.

Usage Rate of Crypto as an Investment

Among cryptocurrency owners in Europe, 64% use these assets for investment purposes, while only 16% prefer cryptocurrencies as a means of payment. These rates are particularly noteworthy, reaching 90% in The Netherlands and 82% in Germany. The highest rate for payment purposes is observed in France at 25%.

Future Trends

It is observed that cryptocurrencies are not yet widely used for daily expenditures. Experts indicate that the long-term adoption of crypto as a means of payment will depend on the development of regulatory frameworks. The relevant studies and regulations by the European Central Bank will continue to influence developments in this area.