- Almost 18% of Americans used or owned cryptocurrency.
- 84% would use Defi for online shopping, 78% for accounts, 77% for saving.
- 54% want full control over personal and financial data.
A new study of the Defi Education Fund, conducted with Ipsos, reveals a strong appetite for alternative financial systems in the United States.
The research shows that frustration with traditional banks is widespread and many Americans want more control over their money. At the same time, interest in decentralized financing is steadily increasing.
Almost one in five Americans owned or used Cryptocurrency, while a larger group wants to explore Defi as a way to manage transactions without trusting intermediaries.
The findings emphasize the scale of financial dissatisfaction and the shift to digital financing.
Growing demand for Defi -access
The study indicates that 42% of Americans would try Defi if regulations would make access easier.
84% of this would use Defi for online shopping, 78% for paying bills and 77% for saving money.
Nevertheless, only 12% of the respondents described themselves as very or extremely interested in learning about Defi, which showed a gap between potential use and deeper understanding.
Four out of ten participants believe that Defi can help reduce transactions and service costs, which are often considered too high in the current banking system.
About 22% of Americans are also curious about blockchain, crypto and other non-traditional financial models.
The research underlines how people in different age groups and backgrounds show interest, which indicates a broad question.
Weakening of trust in traditional banks
Trust in the banking sector remains low. Only 40% of the respondents said they trust large national banks, and 43% trust regional or community banks.
Less than half of the Americans believe that the financial system meets their needs, while only 25% believe that ordinary people will benefit.
The study also shows that 56% of Americans want full control over their money, and 51% want the possibility to send money digitally without the involvement of third parties.
Foreign born Americans showed a particularly strong desire for these characteristics.
Security problems are also pronounced, with only 29% of the respondents believing that the financial system is safe.
Many participants also said that they see the current reimbursements as barriers to inclusion, which underlines the demand for alternatives.
Legislers weigh Crypto Regulation
The findings come to a time when legislators and market leaders actively shape the crypto policy in the US.
Efforts to regulate digital assets can have a direct influence on adoption rates, especially since 42% of Americans link their interest in Defi to easier access through legislation.
The study emphasizes that 54% of Americans want full control over their personal and financial data, which is a reflection of broader concerns about privacy in digital transactions.
This intersection of public demand, the regulatory debate and emerging technology could play a crucial role in determining how Defi develops in the United States in the coming years.
The data suggests that the conversation about finance is no longer limited to banks and supervisors, but increasingly includes everyday Americans who want a different kind of system.
Growing participation in crypto markets and the current debate about financial rules will continue to determine how quickly Defi enters the mainstream.
