Australian investors embrace crypto as a core growth strategy

By Newsdesk

November 21 2025
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In a significant shift within the investment landscape, cryptocurrency has emerged as a key component of portfolio diversification and long-term wealth creation for Australian investors. This trend is highlighted in new research conducted by Protocol Theory, commissioned by Binance Australia, which underscores the growing acceptance of digital assets among Australians.

Australian investors embrace crypto as a core growth strategy

The survey, which included more than 1,600 Australians aged 18-64, found that one in four Australians (26%) now hold cryptocurrency, with an additional third (32%) open to investing in the future. Among emerging investors aged 18-34, cryptocurrency is rapidly gaining traction, trailing closely behind equities as the most commonly held asset class (32% vs 36%).

The leading motivations for investing in cryptocurrency include diversification (40%) and long-term wealth creation (38%), followed by income generation and inflation protection. The study also identified key long-term financial goals, such as saving for retirement (50%), building future financial security (47%), and generating passive income (36%).

Richard Teng, CEO of Binance, who is currently in Australia to speak at the Australian Crypto Convention (ACC)—the largest crypto conference in the southern hemisphere—highlighted the growing maturity of the crypto market in Australia. "2025 is proving to be a landmark year for crypto adoption. A quarter of Australians aged between 18-64 now hold crypto, and we expect more than 10,000 investors at the Australian Crypto Convention on the weekend. It is no longer a speculative, niche investment but an established growth asset class," Teng remarked.

Teng further emphasised the financial literacy of crypto investors, stating, "These investors aren’t those looking ‘to get rich quick’. Rather, the research found them to be extremely financially literate, with 57 percent describing themselves as extremely or very knowledgeable compared to just 27 percent of non-holders."

The research also revealed that Australian crypto investors are more diversified across traditional asset classes compared to the general population. Crypto users hold more shares (59% vs 38%), ETFs and LICs (44% vs 23%), managed funds (33% vs 21%), property (26% vs 10%), bonds (17% vs 8%), and derivatives (13% vs 5%). A notable 20 percent of crypto users hold Self-Managed Super Funds (SMSFs), and 41 percent self-manage their crypto investments.

Matt Poblocki, General Manager of Binance Australia & New Zealand, commented on the appetite for new avenues of wealth generation. "Approximately one in three Australians under 50 hold crypto. These are the investors who are looking to build wealth to meet their longer-term financial goals, like retirement, buying a home, or starting a family," Poblocki said. He added that "As cost-of-living concerns continue to bite, Australians are seeking ways to grow their capital, while securing returns that outpace inflation over the long-term."

The study also highlighted the preference among Australian investors for established crypto networks, coins, and tokens. Of those surveyed, 70 percent hold Bitcoin, 42 percent hold Ethereum, and 25 percent hold other major tokens such as BNB, Solana, or Cardano. This trend suggests a market increasingly driven by fundamentals rather than hype, with fewer investors holding memecoins (20%) or stablecoins (18%).

Reflecting on this dynamic, Poblocki noted, "What stands out in the research is how normalised crypto has become in the investment conversation. Investors are increasingly looking through short term bouts of volatility and approaching investing in digital assets with the same discipline and long-term mindset they bring to traditional assets, with many now considering it a standard part of the modern portfolio."

As the crypto market continues to evolve, investors are also calling for significant reforms within Australia’s financial system. Nearly two-thirds (62%) of respondents believe major changes are necessary to accommodate the growing role of digital assets.

This research underscores the rapid evolution of cryptocurrency from a speculative niche to a mainstream investment option, highlighting its role in the modern, diversified portfolio. As regulatory frameworks continue to develop globally, particularly in the US and Australia, confidence in the longevity and stability of the crypto market is expected to grow, ensuring its place in the future of investment strategies.

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