Gen Z and Crypto: How the Next Generation Invests Differently

Gen Z approaches investing through a crypto-native lens. Here is how their investment philosophy differs and what it means for the market.

Gen Z (born 1997-2012) came of age alongside cryptocurrency. Bitcoin was created when the oldest Gen Z members were children. They watched the 2008 financial crisis destroy their parents' housing wealth. They have never trusted traditional financial institutions the way Boomers and Gen X did. Their relationship with money and investment reflects these formative experiences.

How Gen Z Invests Differently

The Gen Z Financial Portfolio

What This Means for Markets

Gen Z's entry into peak earning years over the next decade represents a structural tailwind for crypto. As this generation inherits wealth and reaches peak income, the allocation to crypto versus traditional assets will be meaningfully higher than any previous generation. Their comfort with DeFi, self-custody, and crypto as savings vehicle will continue shifting mainstream financial infrastructure toward the crypto stack.