Crypto in the U.S. 2026: From Digital Assets to Blockchain Infrastructure

In 2026, the U.S. crypto market included tens of millions of holders, merchants accepting digital assets, and corporate payment activity. For companies assessing cryptocurrency payment solutions for business , spending surveys and merchant adoption data helped establish the practical scale of demand. Stablecoins and new federal rules shaped how those companies approached settlement, custody, and reporting. A broader holder base, with distinct patterns of use The National Cryptocurrency Association (NCA), launched with Ripple funding, estimated that 67 million U.S. adults owned cryptocurrency in 2026. Security.org estimated 70.4 million. Both figures came from surveys, not verified counts. In a separate measure, the Federal Reserve found that 10% of adults used crypto during 2025, including for investment. Because the studies measured different activities, their results can’t be compared directly.

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