Gen Z Leads Crypto Adoption While Older Generations Remain Hesitant

Younger generations in the U.S. are driving stablecoin adoption, with 71% of Gen Z and 60% of millennials open to using crypto for everyday purchases, according to The Motley Fool’s 2025 Stablecoin Usage and Trends survey. In contrast, older demographics show significantly lower engagement, posing a challenge to broader mainstream acceptance.

The survey reveals a stark generational divide in both understanding and willingness to use stablecoins. Only 20% of respondents claim full comprehension of how stablecoins function—a figure that drops sharply among older age groups. Men are nearly 50% more likely than women to consider crypto for daily transactions.

This adoption gap mirrors wider cryptocurrency trends, where youth and male demographics consistently demonstrate greater openness to digital assets. The findings suggest stablecoins face headwinds in achieving universal acceptance without overcoming the skepticism of older, more financially established generations.