This global research is based on survey data from 4,599 users, providing an in-depth analysis of the views on cryptocurrency payments across different regions and generational groups, revealing the development potential and challenges faced in mainstream adoption.

The world-leading Web3 wallet Bitget Wallet has released the latest “On-Chain Report”, revealing that 46% of respondents prefer using cryptocurrency payments for transaction speed, while 37% believe security risks are the main barrier. This global research is based on survey data from 4,599 users, providing an in-depth analysis of the views on cryptocurrency payments across different regions and generational groups, revealing the development potential and challenges faced in mainstream adoption.

Regional trends show that Africa (52%) and Southeast Asia (51%) lead in the demand for fast payments, primarily limited by insufficient banking service coverage and high remittance costs. Latin America (41%) is particularly concerned about transaction fees due to the widespread use of cryptocurrency payments for cross-border transactions. Meanwhile, North America and Oceania (36%) focus more on seamless global payment experiences, while the Middle East (38%) and Western Europe (35%) see increased adoption driven by privacy protection needs. However, a common challenge across regions is the limited merchant acceptance (31%), hindering cryptocurrency payments from becoming a regular method of consumption.

Generational data analysis shows that Generation X (49%) places more emphasis on payment speed, while Millennials (42%) and Generation Z (39%) prefer barrier-free cross-border transactions. Security is the primary concern for Generation X (42%), while Generation Z (36%) is more sensitive to transaction fees. Although younger users are more willing to integrate cryptocurrencies into their daily financial activities, challenges in availability and insufficient financial infrastructure remain core obstacles to expanding usage.

To address these issues, Bitget Wallet has launched the PayFi program, integrating earnings, transfers, and consumption into a seamless on-chain financial ecosystem. Users can stake stablecoins across multiple chains to earn passive income while maintaining full control over their assets, and can conduct smooth transactions through cryptocurrency payments, as well as directly pay for daily expenses, services, and travel bookings within Bitget Wallet. By combining DeFi-enabled yield generation with real-world payment scenarios, Bitget Wallet is driving the transition of cryptocurrencies from speculative assets to practical financial tools, helping users manage their complete financial journey on one platform.

“Cryptocurrency payments are continuously evolving, but for widespread adoption, security, cost-effectiveness, and availability must be improved,” said Alvin Kan, Chief Operating Officer of Bitget Wallet. “Through PayFi, we are redefining how people interact with digital assets, ensuring that every transaction is not just a payment but also a part of financial growth. We hope to enable billions of users worldwide to truly enjoy the convenience of digital finance through more seamless cryptocurrency integration.”

For more details, please visit the Bitget Wallet website.

About Bitget Wallet

Bitget Wallet is a leading one-stop Web3 wallet with over 60 million global users. The wallet comes in various forms, including mnemonic wallets, non-custodial MPC wallets, AA smart contract wallets, and more, supporting hardware wallet connections. It currently supports over 100 mainstream public chains, hundreds of EVM chains, and more than 500,000 cryptocurrency assets. As the best choice for users to discover new assets and capture new opportunities in the Web3 space, Bitget Wallet's product features include Swap trading, smart market analysis, Launchpad, inscriptions, NFTs & DApps, earning coins, payments, and more, aggregating liquidity from hundreds of mainstream DEXs and cross-chain bridges. Bitget Wallet has established a systematic security framework and provides a $300 million risk protection fund.

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