More than a third of US crypto traders report cutting daily expenses and delaying major purchases as unrealized losses weigh on household finances.
The recent crypto market downturn has forced more than one in three crypto traders to cut everyday spending, according to a new survey by CEX.IO.
The survey, conducted among 1,100 US-based active CEX.IO users, shows the current market slump is straining household finances, though it remains less severe than 2022, when Bitcoin fell by roughly 75% from its peak. Bitcoin is still about 40% below its October 2025 high, leaving many retail investors sitting on unrealised losses.
About 36% of respondents said they reduced everyday spending as a direct result of market conditions, with 10% describing those cuts as significant sacrifices made to maintain their positions. Roughly 37% also reported delaying or cancelling purchases due to crypto losses, including 21% who postponed major financial commitments such as buying a home, car or undertaking renovations.
“The 2025–2026 bear market has not produced the kind of systemic shock seen in past cycles (at least for now), but its effects appear to be showing up in quieter ways at the household level,” CEX.IO wrote.
Related: Crypto Market Sentiment Reaches 3-Month High
Crypto traders navigate downturn alone
The survey revealed that many traders are managing the downturn in relative isolation. Only 5% said someone else knows the full extent and value of their holdings, while the majority either share limited information or keep their positions entirely private.
Financial strain is also evident in cash flow trends. While 77% said they did not take on debt tied to crypto, 38% reported some form of financial disruption since October 2025. A quarter said they relied on savings to maintain stability, and 12% admitted to missing or delaying payments.
Even so, most respondents have not changed plans dramatically. Nearly half reported that crypto makes up more than 30% of their investable assets, yet 73% said their approach to earning income remains unchanged.
Looking ahead, a combined 79% said they plan to either hold or increase their positions over the next six months.
Related: Bitcoin Price May Go Under $70K Despite Strategy’s Latest Big BTC Buy
Crypto offerings shape bank choice
Another survey by Börse Stuttgart Digital earlier this week found that cryptocurrency services are starting to influence how European investors choose their banks, with 35% saying they would consider switching institutions for better crypto offerings.
The poll of around 6,000 investors across Germany, Italy, Spain and France also found that nearly one in five expects their primary bank to provide crypto access within three years, pointing to a gradual shift toward integrating digital assets into mainstream banking.
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