UK Crypto Ownership Drops to 8% in 2025 FCA Reveals

The Financial Conduct Authority's research indicates a decline in UK adults holding cryptocurrencies, dropping to 8% in 2025 from 12% the previous year. Despite this, awareness remains high at 91%.

Key Findings

Crypto ownership has fallen for the first time in four years but is still double that of 2021 levels.
A shift towards larger holdings: over 20% hold £1,001-£5,000, and around 10% have £5,001-£10,000 investments.
Smaller holdings under £100 have declined, with many users reporting net gains in 2025.
Bitcoin is held by 57% of crypto owners, followed by Ether at 43%. Solana is held by 21%.

Regulatory Developments

The FCA aims to implement clearer rules, launching consultations on platforms, market safeguards, and rules for staking, lending, and custody.
The regulation of cryptoassets is planned by October 2027 as part of a government initiative.

Market Implications

A smaller retail base may lead to reduced volatility but also less public familiarity with crypto.
Larger average portfolios increase potential consumer losses during market fluctuations.

The trend shows fewer Britons owning crypto, with those remaining holding larger amounts and focusing on top coins. This reflects a market concentrating at the core while facing increased regulatory scrutiny.