New data shows Gen Z spends cryptocurrencies for gaming, travel, and daily purchases, while Gen X dominates big-ticket crypto spending. Global trends reveal regional preferences, marking a major shift in digital payment adoption.
Digital assets are no longer just for speculation. Crypto payments are now woven into the everyday spending habits of Gen Z and Gen X, according to new global insights from the Bitget Wallet survey.
The rise signals a transformation in how younger and older generations handle money, impacting markets and merchants across continents.
A notable 36% of Gen Z reportedly use crypto for daily purchases, travel, and especially gaming. This demographic shows a strong preference for blockchain transactions, with 39% dedicating crypto specifically to gaming-related payments.
Gen X, while less frequent in daily spending, claims the lead in high-value crypto transactions—around 40% utilize digital assets for significant outlays like real estate, digital products, and travel.
The data suggest a strong generational and regional tilt in crypto adoption patterns. Millennials appear most comfortable with diverse digital transactions, engaging in everything from subscriptions to digital goods purchases.
Daily Life or Luxury: Crypto Spending Patterns Distinguish Generations
Expert respondents highlight that widespread merchant adoption, from small vendors integrating QR code payments to larger retailers enabling card-like experiences, is closing the gap between digital currencies and traditional consumer behavior. The ability to bypass common exchange bottlenecks further incentivizes everyday crypto usage.
Global breakdowns in the report offers a striking portrait of how crypto fits local needs:
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Southeast Asia: Gaming and gifting see the highest crypto adoption at 41%.
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East Asia: The highest rate globally for using crypto in daily purchases and digital goods, also at 41%.
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Africa: Education payments and cross-border transactions account for 38% of usage, especially in underbanked areas.
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Latin America: 38% buy digital products, 35% shop online using crypto.
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Middle East: Luxury and high-end goods, such as cars, draw the most crypto interest (31% for luxury items, 29% for vehicles).
Industry voices note, “QR codes for small merchants and card integrations for larger retailers help crypto payments seamlessly align with familiar consumer shopping habits, while allowing merchants to bypass the complexities of exchanges.” This points to a user-friendly evolution that is accelerating mainstream crypto adoption.
Global Events Fuel Gen Z Crypto Surge
Demographic shifts and broader societal changes are also speeding up the trend. After the 2024 U.S. presidential election, certain platforms registered a dramatic 683% surge in Gen Z users, transforming the global composition of crypto owners—rising from 26.2% to 53.8% among new sign-ups.
Influential policies, endorsement from high-profile names, and rapid market responses generated a wave of optimism and peer engagement.
Gen Z, having grown up in the digital era, seem uniquely equipped for the next leap in financial management through crypto.
Their backgrounds foster a more open, tech-fluent approach to assets, shaping new long-term habits that influence both peer groups and policy. Currently, 48% of Bitget’s total user base consists of Gen Z and young millennials, further underlining their role as market shapers.
This generational evolution is visible worldwide. Countries in Latin America and Eastern Europe are eyeing Bitcoin integration at a national level, propelled by the youthful enthusiasm that has come to characterize the global crypto narrative
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Gen Z and Gen X Embrace Crypto Payments Globally
Bitget survey reveals Gen Z uses crypto daily for gaming and shopping, while Gen X leads high-value transactions, signaling mainstream adoption worldwide.