• UK cryptocurrency possession dropped to eight% in 2025 in comparison with 12% within the earlier 12 months.
  • Wealth is turning into extra concentrated as small-scale holdings decline whereas higher-value portfolios improve.
  • The FCA is at present consulting on new trade laws following the formal authorized recognition of crypto as property.

The UK’s Monetary Conduct Authority (FCA) printed new shopper analysis because it opened three consultations on proposed crypto guidelines overlaying areas similar to exchanges, staking, lending and decentralised finance, with suggestions requested by February.

The regulator’s data, drawn from a YouGov survey of two,353 UK adults carried out from Aug. 5 to Sept. 2, signifies fewer individuals now maintain cryptocurrency. Reported possession fell to eight% of the grownup inhabitants in 2025, down from 12% in 2024. Even with that drop, the determine stays above the FCA’s 2021 reference level of 4%.

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The information comes because the FCA is in search of assist to form a brand new algorithm supposed to alter how retailers have interaction with funding merchandise, setting out plans to widen entry whereas tightening protections round retail traders.

The UK additionally formally recognised Bitcoin and stablecoins as property within the nation, because of the Property (Digital Assets etc) Act 2025.

Crypto Focus Rises

The FCA mentioned the composition of holdings is shifting towards bigger positions. It described a seamless development the place small-value possession declines whereas higher-value possession rises. 

Within the survey outcomes it cited, 21% of crypto holders reported portfolios price US$1,343 to US$6,708 (AU$2,055 to AU$10,263), whereas 11% reported US$6,709 to US$13,416 (AU$10,265 to AU$20,526). 

The FCA added that respondents who use crypto lending and borrowing merchandise are usually extra educated, extra risk-tolerant, and extra conscious of FCA warnings than the typical crypto person.

On what individuals maintain, Bitcoin and Ether remained dominant: 57% of holders reported proudly owning Bitcoin and 43% reported proudly owning Ethereum. Different tokens have been much less frequent, although 21% of crypto holders mentioned they owned Solana.

Learn extra: US$4 Trillion JPMorgan Pushes Deeper Into Crypto With Ethereum Money-Market Fund

The publish UK Crypto Ownership Falls, but Wealth Concentration Rises, FCA Poll Finds appeared first on Crypto News Australia.