Crypto downturn is eating into US household budgets, a new CEX.IO survey shows
More than one in three US crypto traders have trimmed everyday spending as the market slide pins down portfolios, according to a CEX.IO poll of 1,100 active US-based users. The exchange found that 36% of respondents have cut routine expenses because of the downturn, and 10% said those cuts involved major sacrifices to preserve their crypto positions.
The survey also found widespread postponements: 37% of respondents delayed or cancelled purchases tied to crypto losses, including 21% who put off major financial plans such as buying a home, getting a car, or starting renovations. Bitcoin remains roughly 40% below its October 2025 high, leaving many retail traders with unrealized losses — even though CEX.IO notes the 2025–2026 bear market has not produced the broad systemic shock seen in earlier cycles. “The pressure now appears in quieter ways at the household level,” the exchange wrote.
Privacy and financial strain are also notable themes. Only 5% of respondents said someone else knows the full value and size of their crypto holdings; most either share limited details or keep their positions private, suggesting losses may be affecting family budgets without wider awareness. While a majority — 77% — reported they had not taken on crypto-related debt, 38% said they experienced some financial disruption since October 2025.
Despite the stress, long-term conviction appears resilient. CEX.IO found 73% of traders have not changed their long-term income strategy, nearly half said crypto makes up more than 30% of their investable assets, and 79% plan to hold or increase their crypto positions over the next six months.
Across the Atlantic, demand for crypto-friendly banking is rising. A separate Börse Stuttgart Digital survey of roughly 6,000 investors in Germany, Italy, Spain and France found about 35% would consider switching banks for better crypto services, and nearly one in five expect their main bank to offer crypto access within three years.
Taken together, the surveys paint a picture of a market where losses are forcing real, sometimes hidden, financial trade-offs for retail holders — even as many remain committed to crypto for the medium term.
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