Adoption will spike by 82.1% from 2024 to 2026—but from a very low base. This translates to only 2.6% of the population using cryptocurrency payments in 2026, affirming its status as a nascent-stage payment option.

Still, crypto is moving beyond investment as more owners see it as a way to pay. By 2026, nearly 1 in 5 crypto owners will use it for payments, up from just 14.2% in 2024, signaling a shift toward real-world adoption. But as crypto owners start spending, merchants will face new hurdles in volatility, refunds, and managing returns.

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