What did the CEX.IO survey reveal about crypto traders’ spending?

A survey by CEX.IO found that 36% of US crypto traders have reduced everyday spending due to market losses. This shows the downturn is affecting real household budgets, not just portfolio values. About 10% said they made significant sacrifices to maintain their positions.

How are crypto losses affecting major financial decisions?

Around 37% of surveyed traders said they delayed or cancelled major purchases like homes, cars, or renovations. Of that group, 21% postponed large financial plans entirely. This indicates crypto losses are influencing long-term financial decisions, not just short-term spending.

How far is Bitcoin from its previous peak?

Bitcoin is still about 40% below its October 2025 high. This decline has left many retail investors holding unrealised losses. While not as severe as the 2022 bear market, it is still impacting investor behaviour.

Are crypto traders still bullish despite the downturn?

Yes, sentiment remains relatively strong, with 79% of respondents planning to hold or increase their crypto positions. This suggests many investors see the downturn as temporary. It reflects a long-term conviction despite short-term financial pressure.

How much of investors’ portfolios are in crypto?

Nearly half of respondents said crypto makes up more than 30% of their investable assets. This indicates high exposure among retail traders. Such concentration increases both potential upside and downside risk.

Are crypto traders taking on debt to maintain positions?

Most are not, with 77% reporting no crypto-related debt. However, 38% still experienced financial disruption since October 2025. This suggests stress is showing up through reduced spending rather than borrowing.

Why are many crypto investors keeping their losses private?

Only 5% of respondents said others know the full size of their crypto holdings. Most either share limited information or keep it completely private. This means financial strain may be hidden within households or social circles.

Is this downturn as severe as previous crypto bear markets?

According to CEX.IO, the 2025–2026 downturn has not caused the same systemic shock as earlier cycles like 2022. However, the impact is still meaningful at the individual level. The pressure is more gradual and less visible.

Crypto slump cuts spending for US traders

Written by Heidi Cuthbert Published Apr. 27 2026Last Updated Apr. 27 2026

A survey by CEX.IO found that 36% of US crypto traders have reduced everyday spending as market losses weigh on household finances.

Another 37% of respondents said they delayed or cancelled major purchases, including homes, cars, and renovations, reflecting broader financial strain linked to crypto holdings.

“The 2025–2026 bear market has not produced the kind of systemic shock seen in past cycles,”

CEX.IO said.

Despite Bitcoin remaining about 40% below its October 2025 high, most traders continue to hold positions, with 79% planning to maintain or increase their exposure over the next six months.

The survey also showed that only 5% of respondents share full details of their crypto holdings, suggesting many investors are managing losses privately without wider household awareness.

While 77% reported no crypto-related debt, around 38% experienced some level of financial disruption, highlighting the indirect impact of market volatility on personal finances.

Separate data from Börse Stuttgart Digital indicates growing demand for crypto services in Europe, with 35% of investors willing to switch banks for better digital asset offerings.

At the time of reporting, Bitcoin price was $78,678.40.