- 35% of European investors would consider switching banks for better crypto offerings.
- Over three-quarters of investors see crypto assets as insufficiently regulated.
- Nearly half said the EU’s MiCA framework increased their trust in digital assets.
A substantial number of European investors are reshaping their banking choices based on cryptocurrency offerings, though ongoing regulatory uncertainty remains a significant barrier, according to a Börse Stuttgart Digital survey released Tuesday. The findings highlight crypto’s growing influence on financial relationships across Germany, Italy, Spain, and France. Consequently, nearly one-in-five respondents expect their primary bank to offer crypto access within three years.
However, regulatory clarity is the paramount concern for widespread adoption. Over three-quarters of surveyed investors view crypto assets as insufficiently regulated, while more than 60% feel poorly informed about them. Meanwhile, the EU’s Markets in Crypto-Assets Regulation (MiCA) appears effective, as nearly half of investors reported it increased their trust. “Trust and clear regulation are essential for the next phase of crypto adoption in Europe“, said Matthias Voelkel, CEO of Börse Stuttgart Group.
Spain leads the surveyed nations in crypto adoption, with nearly 28% of investors owning digital assets. Germany, Italy, and France followed closely, with ownership rates between 23% and 25%. According to a Chainalysis report, Russia had Europe’s largest crypto market, receiving $376 billion in value between July 2024 and June 2025.
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