Crypto Ownership Reaches 66.7%, but Few Investors Integrate It Into Wealth Plans
Nexo’s survey of 1,000 affluent investors found that only 4.7% reached its threshold for structurally integrated crypto use.
Crypto ownership is common among affluent investors in the United States, United Kingdom and Argentina, but few have made digital assets a deeply integrated part of long-term wealth planning.
Nexo’s Digital Wealth Survey 2026 found that 66.7% of 1,000 respondents owned crypto. Only 4.7% reached the company’s threshold for “structurally integrated” use, defined as a Crypto Integration Index score of at least seven out of 10.
The average index score was 4.83. Nexo’s proprietary measure considers portfolio allocation, holding period, retirement planning, replacement of traditional assets and risk perception. It is a descriptive measure rather than an investment benchmark or recommendation.
The United States had the lowest crypto ownership rate among the three markets, at 62.3%. The United Kingdom recorded a 65% ownership rate, while Argentina had the highest at 74.3%.
Investors ages 35 to 44 reported the highest level of retirement integration in the survey. Among that group, 28% treated crypto as a core retirement asset.
The findings distinguish between owning crypto and incorporating it into broader financial planning. A respondent could hold digital assets without assigning them a significant portfolio role, using them for retirement planning or replacing traditional assets with them.
Nexo said the sample does not represent the broader population. The survey covered affluent investors in the three markets, so its results describe the participants rather than crypto ownership across all households or investors.
The survey’s index also reflects how respondents view risk, alongside their allocation decisions and investment time horizon. That structure places basic ownership at one end of the measure and broader use in long-term wealth decisions at the other.
