Crypto’s Future: Insights from CrossFi’s 2025 Survey on Crypto and Web3 Banking

A new survey from CrossFi delivers significant information about cryptocurrency and Web3 banking from 5,000 users worldwide. This 2025 survey analyzed user trends by gathering data from India, Finland, and Russia to study crypto space developments. Modern data demonstrates that cryptocurrency has moved beyond technological specialists to integrate into standard banking operations. As middle-class crypto users continue growing, the Web3 banking market demonstrates increased accessibility and welcomes more participants.

Who’s Using Crypto? A Demographic Shift

According to the CrossFi 2025 survey, women have taken control as the primary group driving crypto adoption. The population of people using crypto has undergone a significant change since the past when males held the majority.  According to findings from CrossFi, they show that now 80% of users belong to the female demographic. More Indian women now explore digital assets due to financial inclusion initiatives like the Jan Dhan Yojana launched by the government. Women from Finland are drawn to alternative financial instruments for security reasons due to its innovative tech environment and Russia’s economic challenges.

Most survey takers from the target demographic were between 28 and 43 years old and earned a monthly income between $1,000 and $3,000. Research shows the crypto community exists between the upper and lower economic levels, indicating crypto acceptance moves beyond wealthy exclusivity and economic challenges. Crypto has become popular among middle-class people worldwide since traditional market investments remain unattainable. Individuals protect against inflation through cryptocurrency and build their financial security for future needs.

Crypto as a Lifestyle: Holding and Earning Over Speculation

Digital assets are being used primarily by the survey participants according to a distinct user trend. Most cryptocurrency users have demonstrated a long-term investment perspective by avoiding daily trading activities and meme-coin trends. Most survey respondents utilize cryptocurrencies to build asset holdings that will increase in value over time. Fidelity’s 2024 report confirms institutional investors also adopt a holding strategy with crypto rather than seeking short-term profits through trading.

Digital currency users conduct their activities involving Binance exchange purchases, balance checks, and stake management two or fewer times each week. Cryptocurrency shows signs of developing into a broad financial tool based on this method of behavior. The digital portfolio management approach resembles user interactions since users adopt long-term growth strategies without worrying about short-term price changes.

The Roadblocks: High Fees and Web3’s Growing Pains

The adoption of crypto faces multiple substantial obstacles as its popularity continues increasing. The majority of survey respondents expressed dissatisfaction with the excessive fees during transactions. Ethereum users are frustrated because network transaction fees exceed $10 to $20. People earning less than $3,000 per month cannot bear payments connected to high fees on minimal transactions. However, Polygon and Arbitrum, among other Layer 2 solutions, enable Ethereum to reduce its expenses. Newer platforms such as Solana and Avalanche perform transactions at minimal costs. 

The Web3 banking sphere struggles with various obstacles. Users find major obstacles in decentralized finance (DeFi) platforms since their accounts are frozen and regulatory issues exist, reducing their promised financial independence. The practical implementation of identity checks and regulatory necessities in Web3 banking systems has disappointed users as they oppose the centralized design philosophy that Web3 banking promises. 

A Bright but Challenging Future

The 2025 CrossFi survey indicates that Web3 banking and crypto banking systems are at a critical point in their large-scale evolution. More individuals with middle-class status and women are joining the digital asset movement, making crypto a growing financial tool for broader population segments. 

Crypto’s full potential remains unattainable until security issues, high fees, and regulatory uncertainty are successfully resolved. Crypto will emerge as an ordinary part of daily life by 2025, resolving current challenges through technological advancements, improved regulations, and enhanced user experience integration.